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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 | $79,377 | $88,672-10.5% | $105,223-24.6% | $82,448-3.7% |
| Participation rate | 34.0% | 67.9%-33.9pp | 75.0%-41.0pp | 68.1%-34.0pp |
| Annual return | 18.27% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $416 | $3,048-86.3% | $3,689-88.7% | $2,551-83.7% |
| Participant deferral / active EE | $2,464 | $4,036-38.9% | $5,072-51.4% | $4,139-40.5% |
| Admin fee / account holder | $11,395 | $7,146+59.5% | $8,859+28.6% | $7,234+57.5% |