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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 | $88,843 | $99,345-10.6% | $84,753+4.8% | $273,972-67.6% |
| Participation rate | 38.5% | 80.7%-42.2pp | 76.6%-38.1pp | 83.0%-44.6pp |
| Annual return | 9.04% | 22.93%-13.9pp | 22.78%-13.7pp | 41.46%-32.4pp |
| Employer contribution / active EE | $595 | $4,214-85.9% | $3,574-83.3% | $4,869-87.8% |
| Participant deferral / active EE | $2,784 | $4,270-34.8% | $3,712-25.0% | $5,287-47.3% |
| Admin fee / account holder | $17,482 | $6,645+163.1% | $5,333+227.8% | $10,133+72.5% |