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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 | $90,400 | $77,814+16.2% | $158,223-42.9% | $86,983+3.9% |
| Participation rate | 64.0% | 68.4%-4.4pp | 79.2%-15.2pp | 69.5%-5.5pp |
| Annual return | 15.64% | 30.54%-14.9pp | 52.09%-36.4pp | 25.83%-10.2pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,329 | $3,270+1.8% | $5,467-39.1% | $4,194-20.6% |
| Admin fee / account holder | $4,554 | $5,879-22.5% | $16,047-71.6% | $7,856-42.0% |