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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 | $55,714 | $77,472-28.1% | $100,392-44.5% | $80,935-31.2% |
| Participation rate | 44.4% | 76.9%-32.5pp | 81.5%-37.1pp | 67.7%-23.2pp |
| Annual return | 15.59% | 37.26%-21.7pp | 49.45%-33.9pp | 35.66%-20.1pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,716 | $6,818+13.2% | $8,090-4.6% | $4,299+79.5% |
| Admin fee / account holder | $6,808 | $5,885+15.7% | $7,904-13.9% | $6,924-1.7% |