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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 | $99,584 | $123,793-19.6% | $177,848-44.0% | $79,856+24.7% |
| Participation rate | 55.6% | 84.7%-29.1pp | 87.7%-32.2pp | 69.6%-14.1pp |
| Annual return | 21.47% | 22.82%-1.3pp | 48.33%-26.9pp | 31.71%-10.2pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,566 | $5,956-23.3% | $7,714-40.8% | $3,741+22.1% |
| Admin fee / account holder | $3,493 | $7,243-51.8% | $12,431-71.9% | $5,306-34.2% |