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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 | $105,884 | $98,240+7.8% | $82,313+28.6% | $147,585-28.3% |
| Participation rate | 38.5% | 79.7%-41.3pp | 76.9%-38.4pp | 82.8%-44.4pp |
| Annual return | 15.49% | 30.85%-15.4pp | 25.88%-10.4pp | 578.58%-563.1pp |
| Employer contribution / active EE | $93 | $3,192-97.1% | $2,428-96.2% | $4,876-98.1% |
| Participant deferral / active EE | $2,152 | $4,383-50.9% | $3,706-41.9% | $5,439-60.4% |
| Admin fee / account holder | $2,614 | $8,563-69.5% | $5,608-53.4% | $10,886-76.0% |