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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 | $74,667 | $56,894+31.2% | $84,753-11.9% | $62,881+18.7% |
| Participation rate | 56.0% | 68.5%-12.5pp | 76.6%-20.6pp | 69.3%-13.3pp |
| Annual return | 9.70% | 6.30%+3.4pp | 22.78%-13.1pp | 20.14%-10.4pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,806 | $2,709+188.1% | $3,712+110.3% | $3,203+143.7% |
| Admin fee / account holder | $4,651 | $3,581+29.9% | $5,333-12.8% | $4,296+8.3% |