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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 | $97,550-2.0% | $120,344-20.5% | $87,485+9.3% |
| Participation rate | 48.3% | 72.8%-24.5pp | 76.7%-28.4pp | 68.9%-20.7pp |
| Annual return | 17.57% | 18.41%-0.8pp | 20.30%-2.7pp | 26.06%-8.5pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $7,551 | $4,230+78.5% | $5,135+47.0% | $4,274+76.7% |
| Admin fee / account holder | $2,595 | $9,543-72.8% | $12,742-79.6% | $7,775-66.6% |