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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 | $86,949+5.1% | $102,460-10.8% | $80,959+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 | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,849 | $4,121-30.9% | $5,056-43.7% | $4,300-33.8% |
| Admin fee / account holder | $4,216 | $8,048-47.6% | $9,460-55.4% | $6,925-39.1% |