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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 | $86,960 | $72,027+20.7% | $185,835-53.2% | $79,852+8.9% |
| Participation rate | 50.7% | 65.8%-15.0pp | 78.0%-27.3pp | 69.6%-18.9pp |
| Annual return | 16.77% | 23.13%-6.4pp | 35.96%-19.2pp | 31.72%-14.9pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,818 | $3,780+27.5% | $5,633-14.5% | $3,740+28.8% |
| Admin fee / account holder | $2,081 | $4,513-53.9% | $9,502-78.1% | $5,306-60.8% |