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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 | $95,619 | $95,453+0.2% | $112,040-14.7% | $82,448+16.0% |
| Participation rate | 48.3% | 72.8%-24.5pp | 76.5%-28.2pp | 68.1%-19.8pp |
| Annual return | 17.57% | 23.92%-6.3pp | 24.52%-6.9pp | 41.64%-24.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,551 | $4,224+78.8% | $5,098+48.1% | $4,139+82.4% |
| Admin fee / account holder | $2,595 | $9,013-71.2% | $12,098-78.6% | $7,234-64.1% |