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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 | $98,711 | $80,674+22.4% | $119,126-17.1% | $64,340+53.4% |
| Participation rate | 24.0% | 55.2%-31.2pp | 75.8%-51.8pp | 55.2%-31.3pp |
| Annual return | 12.58% | 26.86%-14.3pp | 282.11%-269.5pp | 24.14%-11.6pp |
| Employer contribution / active EE | $171 | $2,564-93.3% | $4,034-95.7% | $1,862-90.8% |
| Participant deferral / active EE | $1,599 | $3,053-47.6% | $5,318-69.9% | $2,980-46.4% |
| Admin fee / account holder | $3,789 | $4,559-16.9% | $10,693-64.6% | $3,703+2.3% |