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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 | $115,488 | $106,749+8.2% | $145,433-20.6% | $82,448+40.1% |
| Participation rate | 17.9% | 75.6%-57.7pp | 82.1%-64.2pp | 68.1%-50.1pp |
| Annual return | 17.84% | 27.59%-9.8pp | 66.58%-48.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $272 | $3,444-92.1% | $4,554-94.0% | $2,551-89.3% |
| Participant deferral / active EE | $2,543 | $6,519-61.0% | $7,897-67.8% | $4,139-38.6% |
| Admin fee / account holder | $11,910 | $8,390+42.0% | $13,129-9.3% | $7,234+64.6% |