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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 | $61,349 | $78,707-22.1% | $117,861-47.9% | $70,126-12.5% |
| Participation rate | 59.5% | 73.2%-13.7pp | 79.7%-20.2pp | 69.5%-10.1pp |
| Annual return | 19.71% | 23.30%-3.6pp | 335.11%-315.4pp | 73.15%-53.4pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,921 | $3,297+49.2% | $4,482+9.8% | $3,332+47.7% |
| Admin fee / account holder | $4,024 | $5,066-20.6% | $8,021-49.8% | $4,645-13.4% |