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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 | $97,329 | $106,524-8.6% | $152,301-36.1% | $87,485+11.3% |
| Participation rate | 65.0% | 75.8%-10.8pp | 82.4%-17.4pp | 68.9%-3.9pp |
| Annual return | 16.95% | 26.89%-9.9pp | 80.50%-63.6pp | 26.06%-9.1pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,423 | $6,525-16.9% | $8,004-32.2% | $4,274+26.9% |
| Admin fee / account holder | $1,851 | $8,287-77.7% | $14,398-87.1% | $7,775-76.2% |