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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 | $97,872 | $82,133+19.2% | $147,318-33.6% | $64,097+52.7% |
| Participation rate | 25.0% | 62.3%-37.3pp | 82.1%-57.1pp | 55.2%-30.2pp |
| Annual return | 17.58% | 78.78%-61.2pp | 70.43%-52.9pp | 34.64%-17.1pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $3,843 | $5,407-28.9% | $7,906-51.4% | $3,080+24.8% |
| Admin fee / account holder | $9,232 | $3,730+147.5% | $13,708-32.7% | $3,454+167.2% |