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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 | $105,089 | $108,825-3.4% | $156,181-32.7% | $82,448+27.5% |
| Participation rate | 32.6% | 72.4%-39.8pp | 78.8%-46.2pp | 68.1%-35.5pp |
| Annual return | 22.93% | 20.59%+2.3pp | 64.87%-41.9pp | 41.64%-18.7pp |
| Employer contribution / active EE | $365 | $2,870-87.3% | $4,294-91.5% | $2,551-85.7% |
| Participant deferral / active EE | $2,366 | $4,577-48.3% | $6,132-61.4% | $4,139-42.8% |
| Admin fee / account holder | $2,242 | $9,341-76.0% | $14,586-84.6% | $7,234-69.0% |