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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 | $79,700 | $64,359+23.8% | $90,161-11.6% | $70,124+13.7% |
| Participation rate | 59.5% | 70.4%-11.0pp | 76.9%-17.4pp | 69.5%-10.1pp |
| Annual return | 22.59% | 28.13%-5.5pp | 34.89%-12.3pp | 73.14%-50.6pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $10,020 | $4,389+128.3% | $5,287+89.5% | $3,332+200.8% |
| Admin fee / account holder | $6,904 | $3,945+75.0% | $5,943+16.2% | $4,645+48.6% |