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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 | $84,365 | $64,359+31.1% | $90,161-6.4% | $70,126+20.3% |
| Participation rate | 51.6% | 70.4%-18.8pp | 76.9%-25.3pp | 69.5%-17.9pp |
| Annual return | 22.15% | 28.13%-6.0pp | 34.89%-12.7pp | 73.15%-51.0pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $6,498 | $4,389+48.0% | $5,287+22.9% | $3,332+95.0% |
| Admin fee / account holder | $2,333 | $3,945-40.9% | $5,943-60.7% | $4,645-49.8% |