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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 | $109,953 | $110,137-0.2% | $161,149-31.8% | $82,637+33.1% |
| Participation rate | 39.1% | 72.4%-33.2pp | 78.8%-39.7pp | 68.1%-28.9pp |
| Annual return | 14.50% | 20.69%-6.2pp | 21.16%-6.7pp | 53.51%-39.0pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,211 | $4,575-29.8% | $6,153-47.8% | $4,126-22.2% |
| Admin fee / account holder | $10,580 | $9,467+11.8% | $15,194-30.4% | $7,339+44.2% |