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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 | $95,453+1.4% | $112,040-13.6% | $82,448+17.4% |
| Participation rate | 52.2% | 72.8%-20.5pp | 76.5%-24.3pp | 68.1%-15.8pp |
| Annual return | 12.55% | 23.92%-11.4pp | 24.52%-12.0pp | 41.64%-29.1pp |
| Employer contribution / active EE | $178 | $2,318-92.3% | $2,954-94.0% | $2,551-93.0% |
| Participant deferral / active EE | $2,574 | $4,224-39.1% | $5,098-49.5% | $4,139-37.8% |
| Admin fee / account holder | $4,794 | $9,013-46.8% | $12,098-60.4% | $7,234-33.7% |