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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 | $106,046 | $101,795+4.2% | $165,100-35.8% | $80,959+31.0% |
| Participation rate | 29.9% | 71.8%-42.0pp | 78.6%-48.8pp | 67.7%-37.8pp |
| Annual return | 27.57% | 16.73%+10.8pp | 70.21%-42.6pp | 35.67%-8.1pp |
| Employer contribution / active EE | $728 | $2,954-75.4% | $4,348-83.3% | $2,757-73.6% |
| Participant deferral / active EE | $3,279 | $4,476-26.7% | $6,035-45.7% | $4,300-23.7% |
| Admin fee / account holder | $1,932 | $8,221-76.5% | $12,696-84.8% | $6,925-72.1% |