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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 | $88,475 | $86,940+1.8% | $102,434-13.6% | $80,935+9.3% |
| Participation rate | 51.8% | 72.4%-20.6pp | 76.5%-24.7pp | 67.7%-15.9pp |
| Annual return | 17.32% | 18.89%-1.6pp | 29.46%-12.1pp | 35.66%-18.3pp |
| Employer contribution / active EE | $194 | $2,370-91.8% | $3,023-93.6% | $2,757-93.0% |
| Participant deferral / active EE | $2,995 | $4,121-27.3% | $5,055-40.8% | $4,299-30.3% |
| Admin fee / account holder | $8,044 | $8,0470% | $9,462-15.0% | $6,924+16.2% |