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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 | $77,285 | $77,896-0.8% | $134,172-42.4% | $82,448-6.3% |
| Participation rate | 30.0% | 62.8%-32.8pp | 72.5%-42.5pp | 68.1%-38.1pp |
| Annual return | 12.96% | 18.21%-5.3pp | 25.30%-12.3pp | 41.64%-28.7pp |
| Employer contribution / active EE | $527 | $2,159-75.6% | $3,420-84.6% | $2,551-79.3% |
| Participant deferral / active EE | $1,283 | $3,162-59.4% | $4,690-72.7% | $4,139-69.0% |
| Admin fee / account holder | $7,313 | $6,336+15.4% | $12,016-39.1% | $7,234+1.1% |