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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 | $88,775 | $86,940+2.1% | $102,434-13.3% | $80,935+9.7% |
| Participation rate | 46.8% | 72.4%-25.6pp | 76.5%-29.7pp | 67.7%-20.9pp |
| Annual return | 11.54% | 18.89%-7.4pp | 29.46%-17.9pp | 35.66%-24.1pp |
| Employer contribution / active EE | $519 | $2,370-78.1% | $3,023-82.8% | $2,757-81.2% |
| Participant deferral / active EE | $3,830 | $4,121-7.1% | $5,055-24.2% | $4,299-10.9% |
| Admin fee / account holder | $8,520 | $8,047+5.9% | $9,462-10.0% | $6,924+23.0% |