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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 | $86,358 | $78,705+9.7% | $117,860-26.7% | $70,124+23.2% |
| Participation rate | 29.0% | 73.2%-44.2pp | 79.7%-50.6pp | 69.5%-40.5pp |
| Annual return | 15.15% | 23.30%-8.1pp | 335.10%-319.9pp | 73.14%-58.0pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,973 | $3,297-40.2% | $4,482-56.0% | $3,332-40.8% |
| Admin fee / account holder | $864 | $5,065-82.9% | $8,021-89.2% | $4,645-81.4% |