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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 | $78,270 | $65,027+20.4% | $90,970-14.0% | $79,852-2.0% |
| Participation rate | 56.5% | 61.6%-5.1pp | 69.0%-12.5pp | 69.6%-13.1pp |
| Annual return | 12.95% | 30.45%-17.5pp | 134.58%-121.6pp | 31.72%-18.8pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,879 | $2,512+14.6% | $3,373-14.7% | $3,740-23.0% |
| Admin fee / account holder | $3,130 | $4,535-31.0% | $5,960-47.5% | $5,306-41.0% |