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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 | $66,974 | $86,949-23.0% | $102,460-34.6% | $80,959-17.3% |
| Participation rate | 48.6% | 72.4%-23.8pp | 76.5%-27.9pp | 67.7%-19.1pp |
| Annual return | 31.03% | 18.89%+12.1pp | 29.47%+1.6pp | 35.67%-4.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,904 | $4,121+43.3% | $5,056+16.8% | $4,300+37.3% |
| Admin fee / account holder | $8,710 | $8,048+8.2% | $9,460-7.9% | $6,925+25.8% |