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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 | $93,983 | $97,648-3.8% | $121,663-22.8% | $87,485+7.4% |
| Participation rate | 64.6% | 70.5%-5.9pp | 74.5%-9.9pp | 68.9%-4.3pp |
| Annual return | 14.11% | 18.03%-3.9pp | 147.54%-133.4pp | 26.06%-12.0pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,291 | $3,923+9.4% | $4,887-12.2% | $4,274+0.4% |
| Admin fee / account holder | $2,319 | $11,100-79.1% | $14,289-83.8% | $7,775-70.2% |