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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 | $51,357 | $43,075+19.2% | $74,577-31.1% | $62,881-18.3% |
| Participation rate | 47.1% | 58.1%-11.0pp | 68.1%-21.1pp | 69.3%-22.2pp |
| Annual return | 8.18% | 17.50%-9.3pp | 20.47%-12.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,412 | $2,389+126.5% | $3,458+56.5% | $3,203+69.0% |
| Admin fee / account holder | $2,886 | $2,840+1.6% | $4,138-30.3% | $4,296-32.8% |