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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 | $92,046 | $80,985+13.7% | $96,576-4.7% | $75,181+22.4% |
| Participation rate | 53.7% | 71.8%-18.1pp | 76.0%-22.3pp | 67.2%-13.5pp |
| Annual return | 17.73% | 27.05%-9.3pp | 25.87%-8.1pp | 160.69%-143.0pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,269 | $3,929+8.7% | $4,851-12.0% | $4,126+3.5% |
| Admin fee / account holder | $3,373 | $6,719-49.8% | $8,253-59.1% | $5,650-40.3% |