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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 | $97,946 | $98,760-0.8% | $149,715-34.6% | $79,858+22.7% |
| Participation rate | 36.2% | 75.8%-39.6pp | 82.5%-46.3pp | 69.6%-33.4pp |
| Annual return | 20.34% | 27.43%-7.1pp | 276.66%-256.3pp | 31.72%-11.4pp |
| Employer contribution / active EE | $587 | $3,217-81.7% | $4,645-87.4% | $2,471-76.2% |
| Participant deferral / active EE | $4,400 | $5,681-22.5% | $6,842-35.7% | $3,740+17.6% |
| Admin fee / account holder | $8,155 | $6,053+34.7% | $9,310-12.4% | $5,306+53.7% |