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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 | $86,937 | $97,550-10.9% | $120,344-27.8% | $87,485-0.6% |
| Participation rate | 42.7% | 72.8%-30.2pp | 76.7%-34.0pp | 68.9%-26.3pp |
| Annual return | 14.80% | 18.41%-3.6pp | 20.30%-5.5pp | 26.06%-11.3pp |
| Employer contribution / active EE | $596 | $2,291-74.0% | $3,020-80.3% | $2,596-77.0% |
| Participant deferral / active EE | $2,696 | $4,230-36.3% | $5,135-47.5% | $4,274-36.9% |
| Admin fee / account holder | $2,518 | $9,543-73.6% | $12,742-80.2% | $7,775-67.6% |