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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 | $106,238 | $104,098+2.1% | $140,514-24.4% | $94,015+13.0% |
| Participation rate | 44.4% | 73.7%-29.3pp | 77.8%-33.4pp | 70.8%-26.4pp |
| Annual return | 12.10% | 15.14%-3.0pp | 14.36%-2.3pp | 17.84%-5.7pp |
| Employer contribution / active EE | $336 | $2,388-85.9% | $3,378-90.1% | $2,790-88.0% |
| Participant deferral / active EE | $2,240 | $4,033-44.5% | $4,919-54.5% | $4,249-47.3% |
| Admin fee / account holder | $2,221 | $10,439-78.7% | $13,697-83.8% | $8,951-75.2% |