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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 | $98,502 | $97,648+0.9% | $121,663-19.0% | $87,485+12.6% |
| Participation rate | 46.9% | 70.5%-23.5pp | 74.5%-27.6pp | 68.9%-22.0pp |
| Annual return | 16.42% | 18.03%-1.6pp | 147.54%-131.1pp | 26.06%-9.6pp |
| Employer contribution / active EE | $427 | $2,300-81.5% | $3,020-85.9% | $2,596-83.6% |
| Participant deferral / active EE | $2,502 | $3,923-36.2% | $4,887-48.8% | $4,274-41.5% |
| Admin fee / account holder | $12,024 | $11,100+8.3% | $14,289-15.9% | $7,775+54.7% |