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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 | $82,229 | $46,877+75.4% | $122,354-32.8% | $70,126+17.3% |
| Participation rate | 62.5% | 58.2%+4.3pp | 71.6%-9.1pp | 69.5%-7.0pp |
| Annual return | 16.69% | 24.22%-7.5pp | 30.28%-13.6pp | 73.15%-56.5pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,847 | $2,167-14.8% | $3,287-43.8% | $3,332-44.6% |
| Admin fee / account holder | $1,342 | $3,324-59.6% | $5,479-75.5% | $4,645-71.1% |