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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 | $91,268 | $83,485+9.3% | $125,192-27.1% | $72,975+25.1% |
| Participation rate | 39.1% | 73.3%-34.2pp | 79.8%-40.7pp | 69.5%-30.4pp |
| Annual return | 25.54% | 25.77%-0.2pp | 43.79%-18.3pp | 81.01%-55.5pp |
| Employer contribution / active EE | $545 | $2,346-76.7% | $3,866-85.9% | $2,440-77.6% |
| Participant deferral / active EE | $2,266 | $3,586-36.8% | $4,937-54.1% | $3,608-37.2% |
| Admin fee / account holder | $870 | $5,518-84.2% | $9,704-91.0% | $5,124-83.0% |