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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 | $105,422 | $106,524-1.0% | $152,301-30.8% | $87,485+20.5% |
| Participation rate | 34.1% | 75.8%-41.6pp | 82.4%-48.3pp | 68.9%-34.8pp |
| Annual return | 22.77% | 26.89%-4.1pp | 80.50%-57.7pp | 26.06%-3.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,026 | $6,525-23.0% | $8,004-37.2% | $4,274+17.6% |
| Admin fee / account holder | $3,626 | $8,287-56.2% | $14,398-74.8% | $7,775-53.4% |