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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 | $95,912 | $86,938+10.3% | $102,423-6.4% | $80,925+18.5% |
| Participation rate | 46.9% | 72.4%-25.5pp | 76.5%-29.6pp | 67.7%-20.7pp |
| Annual return | 16.50% | 18.89%-2.4pp | 29.42%-12.9pp | 35.65%-19.1pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,146 | $4,120-23.7% | $5,054-37.8% | $4,299-26.8% |
| Admin fee / account holder | $5,611 | $8,053-30.3% | $9,455-40.7% | $6,940-19.2% |