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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 | $76,090 | $51,708+47.2% | $106,619-28.6% | $62,881+21.0% |
| Participation rate | 48.8% | 66.9%-18.1pp | 78.0%-29.2pp | 69.3%-20.5pp |
| Annual return | 7.39% | 4.69%+2.7pp | 9.42%-2.0pp | 20.14%-12.8pp |
| Employer contribution / active EE | $324 | $1,764-81.6% | $3,947-91.8% | $2,281-85.8% |
| Participant deferral / active EE | $1,521 | $2,315-34.3% | $3,930-61.3% | $3,203-52.5% |
| Admin fee / account holder | $2,290 | $3,349-31.6% | $6,418-64.3% | $4,296-46.7% |