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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 | $128,830 | $138,386-6.9% | $184,260-30.1% | $80,935+59.2% |
| Participation rate | 58.1% | 83.9%-25.8pp | 86.8%-28.7pp | 67.7%-9.5pp |
| Annual return | 11.90% | 20.02%-8.1pp | 28.84%-16.9pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,370 | $4,851-71.8% | $6,427-78.7% | $2,757-50.3% |
| Participant deferral / active EE | $5,577 | $7,076-21.2% | $9,133-38.9% | $4,299+29.7% |
| Admin fee / account holder | $1,663 | $10,489-84.1% | $13,898-88.0% | $6,924-76.0% |