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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 | $79,421 | $63,365+25.3% | $91,994-13.7% | $72,976+8.8% |
| Participation rate | 58.6% | 72.5%-13.9pp | 78.6%-20.0pp | 69.5%-10.9pp |
| Annual return | 22.01% | 35.35%-13.3pp | 69.04%-47.0pp | 81.02%-59.0pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $7,402 | $4,883+51.6% | $5,924+25.0% | $3,608+105.2% |
| Admin fee / account holder | $2,118 | $4,670-54.6% | $7,744-72.7% | $5,124-58.7% |