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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 | $94,762 | $97,550-2.9% | $120,344-21.3% | $87,485+8.3% |
| Participation rate | 38.5% | 72.8%-34.4pp | 76.7%-38.2pp | 68.9%-30.5pp |
| Annual return | 13.14% | 18.41%-5.3pp | 20.30%-7.2pp | 26.06%-12.9pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,907 | $4,230-31.3% | $5,135-43.4% | $4,274-32.0% |
| Admin fee / account holder | $8,837 | $9,543-7.4% | $12,742-30.6% | $7,775+13.7% |