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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 | $87,180+0.4% | $173,703-49.6% | $94,015-6.9% |
| Participation rate | 46.4% | 65.6%-19.2pp | 75.9%-29.5pp | 70.8%-24.4pp |
| Annual return | 14.12% | 14.17%-0.1pp | 17.46%-3.3pp | 17.84%-3.7pp |
| Employer contribution / active EE | $536 | $2,494-78.5% | $4,288-87.5% | $2,790-80.8% |
| Participant deferral / active EE | $2,659 | $3,343-20.5% | $4,854-45.2% | $4,249-37.4% |
| Admin fee / account holder | $3,134 | $7,506-58.3% | $15,562-79.9% | $8,951-65.0% |