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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 | $89,560 | $95,404-6.1% | $113,397-21.0% | $82,637+8.4% |
| Participation rate | 44.4% | 72.8%-28.4pp | 76.5%-32.1pp | 68.1%-23.6pp |
| Annual return | 13.56% | 19.08%-5.5pp | 23.20%-9.6pp | 53.51%-39.9pp |
| Employer contribution / active EE | $416 | $2,307-82.0% | $2,977-86.0% | $2,552-83.7% |
| Participant deferral / active EE | $3,560 | $4,220-15.6% | $5,076-29.9% | $4,126-13.7% |
| Admin fee / account holder | $10,484 | $9,168+14.4% | $11,957-12.3% | $7,339+42.9% |