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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 | $104,821 | $87,834+19.3% | $133,975-21.8% | $62,881+66.7% |
| Participation rate | 56.6% | 83.4%-26.8pp | 87.1%-30.5pp | 69.3%-12.7pp |
| Annual return | 7.65% | 12.05%-4.4pp | 29.29%-21.6pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,507 | $4,812-6.3% | $6,282-28.3% | $3,203+40.7% |
| Admin fee / account holder | $986 | $5,372-81.6% | $9,324-89.4% | $4,296-77.0% |