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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 | $85,411 | $95,453-10.5% | $112,040-23.8% | $82,448+3.6% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.5%-26.5pp | 68.1%-18.1pp |
| Annual return | 19.05% | 23.92%-4.9pp | 24.52%-5.5pp | 41.64%-22.6pp |
| Employer contribution / active EE | $482 | $2,318-79.2% | $2,954-83.7% | $2,551-81.1% |
| Participant deferral / active EE | $2,978 | $4,224-29.5% | $5,098-41.6% | $4,139-28.1% |
| Admin fee / account holder | $15,788 | $9,013+75.2% | $12,098+30.5% | $7,234+118.2% |