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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 | $82,128 | $86,940-5.5% | $102,434-19.8% | $80,935+1.5% |
| Participation rate | 44.4% | 72.4%-27.9pp | 76.5%-32.1pp | 67.7%-23.2pp |
| Annual return | 11.40% | 18.89%-7.5pp | 29.46%-18.1pp | 35.66%-24.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,986 | $4,121+21.0% | $5,055-1.4% | $4,299+16.0% |
| Admin fee / account holder | $10,731 | $8,047+33.3% | $9,462+13.4% | $6,924+55.0% |