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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 | $102,838 | $95,453+7.7% | $112,040-8.2% | $82,448+24.7% |
| Participation rate | 45.2% | 72.8%-27.6pp | 76.5%-31.3pp | 68.1%-22.9pp |
| Annual return | 16.88% | 23.92%-7.0pp | 24.52%-7.6pp | 41.64%-24.8pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,020 | $4,224-4.8% | $5,098-21.1% | $4,139-2.9% |
| Admin fee / account holder | $3,543 | $9,013-60.7% | $12,098-70.7% | $7,234-51.0% |