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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 | $70,435 | $76,551-8.0% | $123,894-43.1% | $62,881+12.0% |
| Participation rate | 46.0% | 73.0%-27.0pp | 81.4%-35.4pp | 69.3%-23.3pp |
| Annual return | 6.77% | 18.68%-11.9pp | 47.52%-40.7pp | 20.14%-13.4pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,073 | $4,840-57.2% | $5,984-65.4% | $3,203-35.3% |
| Admin fee / account holder | $1,608 | $4,826-66.7% | $8,357-80.8% | $4,296-62.6% |