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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 | $80,432 | $78,015+3.1% | $178,505-54.9% | $80,959-0.7% |
| Participation rate | 38.3% | 65.7%-27.3pp | 77.1%-38.8pp | 67.7%-29.3pp |
| Annual return | 17.71% | 18.10%-0.4pp | 27.16%-9.5pp | 35.67%-18.0pp |
| Employer contribution / active EE | $88 | $2,281-96.1% | $3,955-97.8% | $2,757-96.8% |
| Participant deferral / active EE | $4,433 | $4,406+0.6% | $6,280-29.4% | $4,300+3.1% |
| Admin fee / account holder | $5,143 | $7,160-28.2% | $10,428-50.7% | $6,925-25.7% |