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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 | $104,609 | $108,825-3.9% | $156,181-33.0% | $82,448+26.9% |
| Participation rate | 34.1% | 72.4%-38.2pp | 78.8%-44.7pp | 68.1%-33.9pp |
| Annual return | 13.90% | 20.59%-6.7pp | 64.87%-51.0pp | 41.64%-27.7pp |
| Employer contribution / active EE | $432 | $2,870-85.0% | $4,294-89.9% | $2,551-83.1% |
| Participant deferral / active EE | $3,412 | $4,577-25.5% | $6,132-44.4% | $4,139-17.6% |
| Admin fee / account holder | $3,885 | $9,341-58.4% | $14,586-73.4% | $7,234-46.3% |