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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 | $96,764 | $104,098-7.0% | $140,514-31.1% | $94,015+2.9% |
| Participation rate | 52.2% | 73.7%-21.5pp | 77.8%-25.6pp | 70.8%-18.6pp |
| Annual return | 12.55% | 15.14%-2.6pp | 14.36%-1.8pp | 17.84%-5.3pp |
| Employer contribution / active EE | $178 | $2,388-92.6% | $3,378-94.7% | $2,790-93.6% |
| Participant deferral / active EE | $2,574 | $4,033-36.2% | $4,919-47.7% | $4,249-39.4% |
| Admin fee / account holder | $4,794 | $10,439-54.1% | $13,697-65.0% | $8,951-46.4% |