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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 | $95,955 | $65,246+47.1% | $98,716-2.8% | $67,986+41.1% |
| Participation rate | 24.5% | 51.4%-27.0pp | 69.3%-44.8pp | 57.2%-32.8pp |
| Annual return | 13.21% | 20.58%-7.4pp | 31.81%-18.6pp | 31.67%-18.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,806 | $2,594+8.2% | $4,048-30.7% | $3,358-16.4% |
| Admin fee / account holder | $57,217 | $4,561+1154.6% | $8,703+557.5% | $3,203+1686.3% |