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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 | $91,514 | $97,550-6.2% | $120,344-24.0% | $87,485+4.6% |
| Participation rate | 53.8% | 72.8%-19.0pp | 76.7%-22.9pp | 68.9%-15.1pp |
| Annual return | 17.81% | 18.41%-0.6pp | 20.30%-2.5pp | 26.06%-8.2pp |
| Employer contribution / active EE | $629 | $2,291-72.5% | $3,020-79.2% | $2,596-75.8% |
| Participant deferral / active EE | $3,524 | $4,230-16.7% | $5,135-31.4% | $4,274-17.5% |
| Admin fee / account holder | $2,127 | $9,543-77.7% | $12,742-83.3% | $7,775-72.6% |