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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 | $78,690+22.1% | $161,489-40.5% | $87,485+9.8% |
| Participation rate | 41.5% | 67.5%-26.0pp | 78.7%-37.2pp | 68.9%-27.5pp |
| Annual return | 13.83% | 32.74%-18.9pp | 89.72%-75.9pp | 26.06%-12.2pp |
| Employer contribution / active EE | $150 | $2,588-94.2% | $4,268-96.5% | $2,596-94.2% |
| Participant deferral / active EE | $3,467 | $3,311+4.7% | $5,630-38.4% | $4,274-18.9% |
| Admin fee / account holder | $11,498 | $6,724+71.0% | $16,006-28.2% | $7,775+47.9% |