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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 | $106,212 | $106,749-0.5% | $145,433-27.0% | $82,448+28.8% |
| Participation rate | 29.6% | 75.6%-46.0pp | 82.1%-52.5pp | 68.1%-38.4pp |
| Annual return | 22.42% | 27.59%-5.2pp | 66.58%-44.2pp | 41.64%-19.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,770 | $6,519-26.8% | $7,897-39.6% | $4,139+15.2% |
| Admin fee / account holder | $10,348 | $8,390+23.3% | $13,129-21.2% | $7,234+43.0% |