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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,034 | $76,834+26.3% | $108,359-10.5% | $87,485+10.9% |
| Participation rate | 51.8% | 61.7%-9.9pp | 70.1%-18.3pp | 68.9%-17.1pp |
| Annual return | 14.43% | 19.09%-4.7pp | 36.89%-22.5pp | 26.06%-11.6pp |
| Employer contribution / active EE | $227 | $1,556-85.4% | $2,399-90.5% | $2,596-91.3% |
| Participant deferral / active EE | $3,418 | $3,100+10.2% | $4,137-17.4% | $4,274-20.0% |
| Admin fee / account holder | $2,549 | $6,537-61.0% | $9,741-73.8% | $7,775-67.2% |