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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 | $88,722 | $101,795-12.8% | $165,100-46.3% | $80,959+9.6% |
| Participation rate | 45.2% | 71.8%-26.6pp | 78.6%-33.4pp | 67.7%-22.5pp |
| Annual return | 11.98% | 16.73%-4.7pp | 70.21%-58.2pp | 35.67%-23.7pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,452 | $4,476-22.9% | $6,035-42.8% | $4,300-19.7% |
| Admin fee / account holder | $10,456 | $8,221+27.2% | $12,696-17.6% | $6,925+51.0% |