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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 | $73,368 | $70,418+4.2% | $96,570-24.0% | $85,847-14.5% |
| Participation rate | 48.4% | 61.8%-13.4pp | 69.8%-21.4pp | 69.3%-20.9pp |
| Annual return | 16.10% | 18.59%-2.5pp | 37.79%-21.7pp | 318.61%-302.5pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,402 | $2,894+52.1% | $3,849+14.4% | $3,952+11.4% |
| Admin fee / account holder | $14,969 | $4,995+199.7% | $6,182+142.1% | $6,261+139.1% |