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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 | $81,098 | $81,403-0.4% | $147,027-44.8% | $87,485-7.3% |
| Participation rate | 23.5% | 63.4%-40.0pp | 73.7%-50.3pp | 68.9%-45.5pp |
| Annual return | 15.67% | 16.51%-0.8pp | 20.23%-4.6pp | 26.06%-10.4pp |
| Employer contribution / active EE | $229 | $2,205-89.6% | $3,626-93.7% | $2,596-91.2% |
| Participant deferral / active EE | $1,794 | $3,315-45.9% | $4,933-63.6% | $4,274-58.0% |
| Admin fee / account holder | $5,696 | $6,755-15.7% | $12,223-53.4% | $7,775-26.7% |