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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 | $72,101 | $72,607-0.7% | $90,259-20.1% | $87,485-17.6% |
| Participation rate | 43.2% | 64.8%-21.6pp | 70.7%-27.5pp | 68.9%-25.7pp |
| Annual return | 16.48% | 18.59%-2.1pp | 18.88%-2.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,357 | $3,055+9.9% | $3,827-12.3% | $4,274-21.4% |
| Admin fee / account holder | $4,764 | $5,947-19.9% | $7,267-34.4% | $7,775-38.7% |