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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 | $83,141 | $86,949-4.4% | $102,460-18.9% | $80,959+2.7% |
| Participation rate | 43.8% | 72.4%-28.6pp | 76.5%-32.8pp | 67.7%-23.9pp |
| Annual return | 11.39% | 18.89%-7.5pp | 29.47%-18.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $451 | $2,370-81.0% | $3,025-85.1% | $2,757-83.6% |
| Participant deferral / active EE | $2,753 | $4,121-33.2% | $5,056-45.6% | $4,300-36.0% |
| Admin fee / account holder | $7,553 | $8,048-6.1% | $9,460-20.2% | $6,925+9.1% |