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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 | $85,898 | $58,851+46.0% | $115,167-25.4% | $72,976+17.7% |
| Participation rate | 48.8% | 65.5%-16.7pp | 75.9%-27.1pp | 69.5%-20.7pp |
| Annual return | 22.08% | 23.16%-1.1pp | 35.60%-13.5pp | 81.02%-58.9pp |
| Employer contribution / active EE | $363 | $1,798-79.8% | $3,179-88.6% | $2,440-85.1% |
| Participant deferral / active EE | $1,896 | $2,643-28.3% | $4,169-54.5% | $3,608-47.5% |
| Admin fee / account holder | $5,446 | $6,370-14.5% | $7,089-23.2% | $5,124+6.3% |