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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 | $87,538 | $85,515+2.4% | $112,040-21.9% | $67,986+28.8% |
| Participation rate | 37.3% | 68.2%-30.9pp | 76.5%-39.2pp | 57.2%-19.9pp |
| Annual return | 15.32% | 29.68%-14.4pp | 24.52%-9.2pp | 31.67%-16.3pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,763 | $4,014-56.1% | $5,098-65.4% | $3,358-47.5% |
| Admin fee / account holder | $12,095 | $3,774+220.5% | $12,0980% | $3,203+277.6% |