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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 | $87,534 | $77,896+12.4% | $134,172-34.8% | $82,448+6.2% |
| Participation rate | 46.4% | 62.8%-16.4pp | 72.5%-26.0pp | 68.1%-21.6pp |
| Annual return | 14.12% | 18.21%-4.1pp | 25.30%-11.2pp | 41.64%-27.5pp |
| Employer contribution / active EE | $536 | $2,159-75.2% | $3,420-84.3% | $2,551-79.0% |
| Participant deferral / active EE | $2,659 | $3,162-15.9% | $4,690-43.3% | $4,139-35.8% |
| Admin fee / account holder | $3,134 | $6,336-50.5% | $12,016-73.9% | $7,234-56.7% |