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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 | $97,550+8.9% | $120,344-11.7% | $87,485+21.4% |
| Participation rate | 44.4% | 72.8%-28.4pp | 76.7%-32.3pp | 68.9%-24.5pp |
| Annual return | 12.10% | 18.41%-6.3pp | 20.30%-8.2pp | 26.06%-14.0pp |
| Employer contribution / active EE | $336 | $2,291-85.3% | $3,020-88.9% | $2,596-87.1% |
| Participant deferral / active EE | $2,240 | $4,230-47.0% | $5,135-56.4% | $4,274-47.6% |
| Admin fee / account holder | $2,221 | $9,543-76.7% | $12,742-82.6% | $7,775-71.4% |