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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 | $89,531 | $83,485+7.2% | $125,195-28.5% | $72,976+22.7% |
| Participation rate | 42.9% | 73.3%-30.4pp | 79.8%-36.9pp | 69.5%-26.6pp |
| Annual return | 16.41% | 25.77%-9.4pp | 43.79%-27.4pp | 81.02%-64.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,499 | $3,586-30.3% | $4,937-49.4% | $3,608-30.7% |
| Admin fee / account holder | $2,754 | $5,518-50.1% | $9,704-71.6% | $5,124-46.3% |