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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 | $104,096 | $101,795+2.3% | $165,100-36.9% | $80,959+28.6% |
| Participation rate | 44.2% | 71.8%-27.6pp | 78.6%-34.4pp | 67.7%-23.4pp |
| Annual return | 16.28% | 16.73%-0.4pp | 70.21%-53.9pp | 35.67%-19.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,522 | $4,476-21.3% | $6,035-41.7% | $4,300-18.1% |
| Admin fee / account holder | $1,838 | $8,221-77.6% | $12,696-85.5% | $6,925-73.5% |