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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 | $110,671 | $115,931-4.5% | $185,441-40.3% | $86,983+27.2% |
| Participation rate | 62.1% | 73.6%-11.6pp | 80.3%-18.2pp | 69.5%-7.5pp |
| Annual return | 12.39% | 21.47%-9.1pp | 20.16%-7.8pp | 25.83%-13.4pp |
| Employer contribution / active EE | $370 | $2,937-87.4% | $4,672-92.1% | $2,584-85.7% |
| Participant deferral / active EE | $3,128 | $4,551-31.3% | $6,152-49.2% | $4,194-25.4% |
| Admin fee / account holder | $8,748 | $10,687-18.1% | $17,890-51.1% | $7,856+11.4% |