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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 | $68,351 | $123,793-44.8% | $177,840-61.6% | $79,852-14.4% |
| Participation rate | 69.7% | 84.7%-15.0pp | 87.7%-18.0pp | 69.6%+0.1pp |
| Annual return | 15.13% | 22.82%-7.7pp | 48.32%-33.2pp | 31.72%-16.6pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $8,273 | $5,956+38.9% | $7,714+7.3% | $3,740+121.2% |
| Admin fee / account holder | $1,322 | $7,243-81.7% | $12,431-89.4% | $5,306-75.1% |