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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 | $49,515 | $123,793-60.0% | $177,840-72.2% | $79,852-38.0% |
| Participation rate | 54.3% | 84.7%-30.4pp | 87.7%-33.4pp | 69.6%-15.4pp |
| Annual return | 18.07% | 22.82%-4.8pp | 48.32%-30.3pp | 31.72%-13.7pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $6,182 | $5,956+3.8% | $7,714-19.9% | $3,740+65.3% |
| Admin fee / account holder | $6,009 | $7,243-17.0% | $12,431-51.7% | $5,306+13.2% |