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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 | $92,287 | $103,949-11.2% | $69,182+33.4% | $273,972-66.3% |
| Participation rate | 41.7% | 67.4%-25.7pp | 55.1%-13.4pp | 83.0%-41.3pp |
| Annual return | 4.64% | 35.28%-30.6pp | -21.93%+26.6pp | 41.46%-36.8pp |
| Employer contribution / active EE | $0 | $1,783-100.0% | $1,206-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,137 | $2,716+52.3% | $1,897+118.1% | $5,287-21.8% |
| Admin fee / account holder | $375 | $3,671-89.8% | $2,697-86.1% | $10,133-96.3% |