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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 | $87,089 | $83,898+3.8% | $133,346-34.7% | $94,015-7.4% |
| Participation rate | 40.5% | 63.4%-22.9pp | 72.8%-32.4pp | 70.8%-30.3pp |
| Annual return | 15.27% | 16.00%-0.7pp | 36.85%-21.6pp | 17.84%-2.6pp |
| Employer contribution / active EE | $25 | $1,821-98.6% | $2,853-99.1% | $2,790-99.1% |
| Participant deferral / active EE | $2,071 | $3,245-36.2% | $4,332-52.2% | $4,249-51.3% |
| Admin fee / account holder | $2,472 | $7,809-68.3% | $14,264-82.7% | $8,951-72.4% |