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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 | $99,405 | $81,358+22.2% | $155,556-36.1% | $80,959+22.8% |
| Participation rate | 43.2% | 66.3%-23.1pp | 78.2%-35.0pp | 67.7%-24.5pp |
| Annual return | 15.54% | 33.39%-17.8pp | 64.84%-49.3pp | 35.67%-20.1pp |
| Employer contribution / active EE | $202 | $3,106-93.5% | $4,675-95.7% | $2,757-92.7% |
| Participant deferral / active EE | $2,982 | $3,455-13.7% | $5,631-47.0% | $4,300-30.6% |
| Admin fee / account holder | $1,429 | $7,994-82.1% | $15,885-91.0% | $6,925-79.4% |