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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 | $71,139 | $52,580+35.3% | $71,671-0.7% | $70,126+1.4% |
| Participation rate | 37.5% | 60.9%-23.4pp | 68.7%-31.2pp | 69.5%-32.0pp |
| Annual return | 18.93% | 20.25%-1.3pp | 20.65%-1.7pp | 73.15%-54.2pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $984 | $2,386-58.8% | $3,438-71.4% | $3,332-70.5% |
| Admin fee / account holder | $467 | $3,653-87.2% | $5,558-91.6% | $4,645-90.0% |