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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 | $87,089 | $73,787+18.0% | $98,716-11.8% | $82,448+5.6% |
| Participation rate | 40.5% | 61.4%-20.9pp | 69.3%-28.8pp | 68.1%-27.6pp |
| Annual return | 15.27% | 18.57%-3.3pp | 31.81%-16.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $25 | $1,511-98.4% | $2,279-98.9% | $2,551-99.0% |
| Participant deferral / active EE | $2,071 | $3,081-32.8% | $4,048-48.8% | $4,139-50.0% |
| Admin fee / account holder | $2,472 | $6,500-62.0% | $8,703-71.6% | $7,234-65.8% |