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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 | $86,209 | $76,112+13.3% | $96,534-10.7% | $71,511+20.6% |
| Participation rate | 27.8% | 74.4%-46.6pp | 76.0%-48.2pp | 67.9%-40.2pp |
| Annual return | 25.24% | 22.81%+2.4pp | 25.88%-0.6pp | 28.86%-3.6pp |
| Employer contribution / active EE | $484 | $2,248-78.5% | $2,965-83.7% | $2,589-81.3% |
| Participant deferral / active EE | $2,601 | $4,217-38.3% | $4,851-46.4% | $4,291-39.4% |
| Admin fee / account holder | $7,499 | $2,708+176.9% | $8,253-9.1% | $1,588+372.1% |