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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 | $106,524-0.3% | $152,301-30.3% | $87,485+21.4% |
| Participation rate | 29.6% | 75.8%-46.1pp | 82.4%-52.8pp | 68.9%-39.3pp |
| Annual return | 22.42% | 26.89%-4.5pp | 80.50%-58.1pp | 26.06%-3.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,770 | $6,525-26.9% | $8,004-40.4% | $4,274+11.6% |
| Admin fee / account holder | $10,348 | $8,287+24.9% | $14,398-28.1% | $7,775+33.1% |