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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 | $99,834 | $106,524-6.3% | $152,301-34.4% | $87,485+14.1% |
| Participation rate | 52.4% | 75.8%-23.4pp | 82.4%-30.1pp | 68.9%-16.6pp |
| Annual return | 16.33% | 26.89%-10.6pp | 80.50%-64.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $493 | $3,371-85.4% | $4,624-89.3% | $2,596-81.0% |
| Participant deferral / active EE | $5,139 | $6,525-21.2% | $8,004-35.8% | $4,274+20.3% |
| Admin fee / account holder | $4,205 | $8,287-49.3% | $14,398-70.8% | $7,775-45.9% |