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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 | $87,215 | $106,749-18.3% | $145,433-40.0% | $82,448+5.8% |
| Participation rate | 53.5% | 75.6%-22.2pp | 82.1%-28.6pp | 68.1%-14.6pp |
| Annual return | 21.81% | 27.59%-5.8pp | 66.58%-44.8pp | 41.64%-19.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,986 | $6,519-23.5% | $7,897-36.9% | $4,139+20.4% |
| Admin fee / account holder | $1,946 | $8,390-76.8% | $13,129-85.2% | $7,234-73.1% |