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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 | $93,065 | $87,059+6.9% | $105,608-11.9% | $80,925+15.0% |
| Participation rate | 42.2% | 70.4%-28.3pp | 75.3%-33.1pp | 67.7%-25.5pp |
| Annual return | 14.34% | 17.05%-2.7pp | 116.50%-102.2pp | 35.65%-21.3pp |
| Employer contribution / active EE | $151 | $2,396-93.7% | $3,167-95.2% | $2,756-94.5% |
| Participant deferral / active EE | $3,725 | $3,986-6.5% | $5,010-25.6% | $4,299-13.3% |
| Admin fee / account holder | $2,304 | $8,443-72.7% | $11,028-79.1% | $6,940-66.8% |