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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 | $97,511 | $86,919+12.2% | $102,457-4.8% | $80,911+20.5% |
| Participation rate | 43.5% | 72.4%-28.9pp | 76.5%-33.0pp | 67.6%-24.2pp |
| Annual return | 11.00% | 18.90%-7.9pp | 29.41%-18.4pp | 35.63%-24.6pp |
| Employer contribution / active EE | $333 | $2,368-85.9% | $3,022-89.0% | $2,756-87.9% |
| Participant deferral / active EE | $1,893 | $4,119-54.1% | $5,054-62.6% | $4,297-56.0% |
| Admin fee / account holder | $8,269 | $8,049+2.7% | $9,451-12.5% | $6,935+19.2% |