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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 | $94,448 | $89,532+5.5% | $103,447-8.7% | $80,925+16.7% |
| Participation rate | 46.0% | 76.0%-30.0pp | 80.5%-34.5pp | 67.7%-21.7pp |
| Annual return | 13.56% | 22.80%-9.2pp | 23.92%-10.4pp | 35.65%-22.1pp |
| Employer contribution / active EE | $0 | $4,023-100.0% | $4,678-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,546 | $5,459-16.7% | $6,624-31.4% | $4,299+5.8% |
| Admin fee / account holder | $2,740 | $6,774-59.6% | $9,415-70.9% | $6,940-60.5% |