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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 | $62,886 | $59,839+5.1% | $81,991-23.3% | $79,852-21.2% |
| Participation rate | 51.5% | 61.6%-10.1pp | 69.3%-17.7pp | 69.6%-18.1pp |
| Annual return | 11.67% | 17.56%-5.9pp | 41.31%-29.6pp | 31.72%-20.0pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,417 | $2,695-10.3% | $3,722-35.1% | $3,740-35.4% |
| Admin fee / account holder | $13,205 | $4,287+208.0% | $5,665+133.1% | $5,306+148.9% |