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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 | $95,140 | $86,919+9.5% | $102,457-7.1% | $80,911+17.6% |
| Participation rate | 47.7% | 72.4%-24.7pp | 76.5%-28.8pp | 67.6%-19.9pp |
| Annual return | 15.72% | 18.90%-3.2pp | 29.41%-13.7pp | 35.63%-19.9pp |
| Employer contribution / active EE | $92 | $2,368-96.1% | $3,022-96.9% | $2,756-96.7% |
| Participant deferral / active EE | $2,776 | $4,119-32.6% | $5,054-45.1% | $4,297-35.4% |
| Admin fee / account holder | $2,325 | $8,049-71.1% | $9,451-75.4% | $6,935-66.5% |