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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 | $106,103 | $88,583+19.8% | $88,497+19.9% | $273,972-61.3% |
| Participation rate | 54.5% | 83.5%-28.9pp | 82.4%-27.9pp | 83.0%-28.5pp |
| Annual return | 8.34% | 5.68%+2.7pp | 7.63%+0.7pp | 41.46%-33.1pp |
| Employer contribution / active EE | $0 | $4,502-100.0% | $4,036-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,988 | $4,891-38.9% | $4,899-39.0% | $5,287-43.5% |
| Admin fee / account holder | $441 | $8,980-95.1% | $6,220-92.9% | $10,133-95.6% |