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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 | $68,219 | $87,834-22.3% | $133,975-49.1% | $62,881+8.5% |
| Participation rate | 61.1% | 83.4%-22.3pp | 87.1%-26.0pp | 69.3%-8.2pp |
| Annual return | 7.53% | 12.05%-4.5pp | 29.29%-21.8pp | 20.14%-12.6pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,722 | $4,812+81.3% | $6,282+38.8% | $3,203+172.3% |
| Admin fee / account holder | $8,387 | $5,372+56.1% | $9,324-10.1% | $4,296+95.2% |