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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 | $88,941 | $76,407+16.4% | $150,298-40.8% | $82,448+7.9% |
| Participation rate | 45.7% | 66.4%-20.7pp | 77.8%-32.0pp | 68.1%-22.4pp |
| Annual return | 14.65% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $193 | $2,614-92.6% | $4,154-95.4% | $2,551-92.4% |
| Participant deferral / active EE | $3,973 | $3,214+23.6% | $5,453-27.1% | $4,139-4.0% |
| Admin fee / account holder | $3,439 | $6,352-45.9% | $14,116-75.6% | $7,234-52.5% |