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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 | $96,814 | $104,098-7.0% | $140,514-31.1% | $94,015+3.0% |
| Participation rate | 44.2% | 73.7%-29.5pp | 77.8%-33.6pp | 70.8%-26.6pp |
| Annual return | 14.09% | 15.14%-1.0pp | 14.36%-0.3pp | 17.84%-3.8pp |
| Employer contribution / active EE | $243 | $2,388-89.8% | $3,378-92.8% | $2,790-91.3% |
| Participant deferral / active EE | $2,268 | $4,033-43.8% | $4,919-53.9% | $4,249-46.6% |
| Admin fee / account holder | $2,680 | $10,439-74.3% | $13,697-80.4% | $8,951-70.1% |