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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 | $97,862 | $83,898+16.6% | $133,346-26.6% | $94,015+4.1% |
| Participation rate | 37.7% | 63.4%-25.7pp | 72.8%-35.2pp | 70.8%-33.1pp |
| Annual return | 18.46% | 16.00%+2.5pp | 36.85%-18.4pp | 17.84%+0.6pp |
| Employer contribution / active EE | $56 | $1,821-96.9% | $2,853-98.0% | $2,790-98.0% |
| Participant deferral / active EE | $2,307 | $3,245-28.9% | $4,332-46.8% | $4,249-45.7% |
| Admin fee / account holder | $6,769 | $7,809-13.3% | $14,264-52.5% | $8,951-24.4% |