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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 | $92,365 | $81,504+13.3% | $102,437-9.8% | $80,959+14.1% |
| Participation rate | 33.3% | 66.9%-33.5pp | 74.5%-41.2pp | 67.7%-34.3pp |
| Annual return | 15.98% | 25.60%-9.6pp | 24.95%-9.0pp | 35.67%-19.7pp |
| Employer contribution / active EE | $446 | $3,104-85.6% | $3,871-88.5% | $2,757-83.8% |
| Participant deferral / active EE | $2,299 | $3,871-40.6% | $5,060-54.6% | $4,300-46.5% |
| Admin fee / account holder | $11,703 | $6,719+74.2% | $8,388+39.5% | $6,925+69.0% |