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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 | $116,865 | $86,949+34.4% | $102,460+14.1% | $80,959+44.4% |
| Participation rate | 35.3% | 72.4%-37.1pp | 76.5%-41.2pp | 67.7%-32.4pp |
| Annual return | 18.83% | 18.89%-0.1pp | 29.47%-10.6pp | 35.67%-16.8pp |
| Employer contribution / active EE | $343 | $2,370-85.5% | $3,025-88.7% | $2,757-87.6% |
| Participant deferral / active EE | $1,893 | $4,121-54.1% | $5,056-62.6% | $4,300-56.0% |
| Admin fee / account holder | $8,562 | $8,048+6.4% | $9,460-9.5% | $6,925+23.6% |