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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 | $84,378 | $86,940-2.9% | $102,434-17.6% | $80,935+4.3% |
| Participation rate | 60.3% | 72.4%-12.0pp | 76.5%-16.2pp | 67.7%-7.3pp |
| Annual return | 12.09% | 18.89%-6.8pp | 29.46%-17.4pp | 35.66%-23.6pp |
| Employer contribution / active EE | $433 | $2,370-81.7% | $3,023-85.7% | $2,757-84.3% |
| Participant deferral / active EE | $2,725 | $4,121-33.9% | $5,055-46.1% | $4,299-36.6% |
| Admin fee / account holder | $2,947 | $8,047-63.4% | $9,462-68.9% | $6,924-57.4% |