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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 | $97,298 | $81,504+19.4% | $102,437-5.0% | $80,959+20.2% |
| Participation rate | 34.5% | 66.9%-32.3pp | 74.5%-40.0pp | 67.7%-33.1pp |
| Annual return | 14.92% | 25.60%-10.7pp | 24.95%-10.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,012 | $3,871-22.2% | $5,060-40.5% | $4,300-30.0% |
| Admin fee / account holder | $9,499 | $6,719+41.4% | $8,388+13.2% | $6,925+37.2% |