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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 | $98,287 | $88,996+10.4% | $78,004+26.0% | $138,895-29.2% |
| Participation rate | 47.8% | 74.4%-26.5pp | 69.4%-21.6pp | 79.9%-32.1pp |
| Annual return | 16.91% | 28.03%-11.1pp | 31.07%-14.2pp | 145.39%-128.5pp |
| Employer contribution / active EE | $409 | $2,917-86.0% | $2,469-83.4% | $4,194-90.3% |
| Participant deferral / active EE | $3,300 | $4,724-30.1% | $4,092-19.3% | $6,396-48.4% |
| Admin fee / account holder | $1,124 | $8,807-87.2% | $7,578-85.2% | $12,562-91.1% |