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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 | $96,082 | $77,814+23.5% | $158,223-39.3% | $86,983+10.5% |
| Participation rate | 41.5% | 68.4%-27.0pp | 79.2%-37.7pp | 69.5%-28.1pp |
| Annual return | 13.83% | 30.54%-16.7pp | 52.09%-38.3pp | 25.83%-12.0pp |
| Employer contribution / active EE | $150 | $2,592-94.2% | $4,109-96.3% | $2,584-94.2% |
| Participant deferral / active EE | $3,467 | $3,270+6.0% | $5,467-36.6% | $4,194-17.3% |
| Admin fee / account holder | $11,498 | $5,879+95.6% | $16,047-28.3% | $7,856+46.4% |