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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 | $99,234 | $101,795-2.5% | $165,100-39.9% | $80,959+22.6% |
| Participation rate | 32.4% | 71.8%-39.4pp | 78.6%-46.2pp | 67.7%-35.2pp |
| Annual return | 13.84% | 16.73%-2.9pp | 70.21%-56.4pp | 35.67%-21.8pp |
| Employer contribution / active EE | $323 | $2,954-89.0% | $4,348-92.6% | $2,757-88.3% |
| Participant deferral / active EE | $2,575 | $4,476-42.5% | $6,035-57.3% | $4,300-40.1% |
| Admin fee / account holder | $18,832 | $8,221+129.1% | $12,696+48.3% | $6,925+171.9% |