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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 | $106,864+8.1% | $147,318-21.6% | $82,637+39.8% |
| Participation rate | 17.9% | 75.5%-57.6pp | 82.1%-64.1pp | 68.1%-50.1pp |
| Annual return | 17.84% | 27.49%-9.7pp | 70.43%-52.6pp | 53.51%-35.7pp |
| Employer contribution / active EE | $272 | $3,417-92.0% | $4,593-94.1% | $2,552-89.3% |
| Participant deferral / active EE | $2,543 | $6,496-60.9% | $7,906-67.8% | $4,126-38.4% |
| Admin fee / account holder | $11,910 | $8,415+41.5% | $13,708-13.1% | $7,339+62.3% |