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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 | $104,995 | $95,404+10.1% | $113,397-7.4% | $82,637+27.1% |
| Participation rate | 45.5% | 72.8%-27.4pp | 76.5%-31.0pp | 68.1%-22.6pp |
| Annual return | 14.30% | 19.08%-4.8pp | 23.20%-8.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $285 | $2,307-87.6% | $2,977-90.4% | $2,552-88.8% |
| Participant deferral / active EE | $2,941 | $4,220-30.3% | $5,076-42.1% | $4,126-28.7% |
| Admin fee / account holder | $5,306 | $9,168-42.1% | $11,957-55.6% | $7,339-27.7% |