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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 | $87,534 | $101,795-14.0% | $165,100-47.0% | $80,959+8.1% |
| Participation rate | 44.2% | 71.8%-27.6pp | 78.6%-34.4pp | 67.7%-23.4pp |
| Annual return | 10.96% | 16.73%-5.8pp | 70.21%-59.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $798 | $2,954-73.0% | $4,348-81.6% | $2,757-71.1% |
| Participant deferral / active EE | $4,169 | $4,476-6.9% | $6,035-30.9% | $4,300-3.1% |
| Admin fee / account holder | $11,574 | $8,221+40.8% | $12,696-8.8% | $6,925+67.1% |