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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 | $102,775 | $100,194+2.6% | $122,979-16.4% | $86,983+18.2% |
| Participation rate | 54.5% | 73.0%-18.4pp | 77.2%-22.6pp | 69.5%-15.0pp |
| Annual return | 14.30% | 16.47%-2.2pp | 20.12%-5.8pp | 25.83%-11.5pp |
| Employer contribution / active EE | $389 | $2,326-83.3% | $3,062-87.3% | $2,584-85.0% |
| Participant deferral / active EE | $3,867 | $4,133-6.4% | $5,003-22.7% | $4,194-7.8% |
| Admin fee / account holder | $3,753 | $10,148-63.0% | $12,864-70.8% | $7,856-52.2% |