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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 | $92,074 | $105,623-12.8% | $87,502+5.2% | $273,972-66.4% |
| Participation rate | 40.0% | 78.2%-38.2pp | 73.8%-33.8pp | 83.0%-43.0pp |
| Annual return | 8.83% | 12.26%-3.4pp | 12.21%-3.4pp | 41.46%-32.6pp |
| Employer contribution / active EE | $0 | $3,141-100.0% | $2,550-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,025 | $3,601-71.5% | $3,149-67.5% | $5,287-80.6% |
| Admin fee / account holder | $52,195 | $4,781+991.8% | $4,221+1136.7% | $10,133+415.1% |