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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 | $78,285 | $84,236-7.1% | $170,435-54.1% | $70,126+11.6% |
| Participation rate | 60.0% | 70.8%-10.8pp | 83.6%-23.6pp | 69.5%-9.5pp |
| Annual return | 22.14% | 23.06%-0.9pp | 205.94%-183.8pp | 73.15%-51.0pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $11,452 | $3,086+271.1% | $4,939+131.8% | $3,332+243.7% |
| Admin fee / account holder | $4,921 | $5,698-13.6% | $13,881-64.5% | $4,645+5.9% |