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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 | $91,395 | $86,938+5.1% | $102,423-10.8% | $80,925+12.9% |
| Participation rate | 38.1% | 72.4%-34.3pp | 76.5%-38.4pp | 67.7%-29.6pp |
| Annual return | 12.88% | 18.89%-6.0pp | 29.42%-16.5pp | 35.65%-22.8pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,849 | $4,120-30.9% | $5,054-43.6% | $4,299-33.7% |
| Admin fee / account holder | $4,216 | $8,053-47.6% | $9,455-55.4% | $6,940-39.3% |