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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 | $84,663 | $77,574+9.1% | $108,753-22.2% | $86,983-2.7% |
| Participation rate | 29.5% | 62.3%-32.7pp | 71.1%-41.5pp | 69.5%-40.0pp |
| Annual return | 12.01% | 18.42%-6.4pp | 37.47%-25.5pp | 25.83%-13.8pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,552 | $3,128-18.4% | $4,115-38.0% | $4,194-39.1% |
| Admin fee / account holder | $5,078 | $6,529-22.2% | $10,320-50.8% | $7,856-35.4% |