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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 | $53,800 | $79,955-32.7% | $98,461-45.4% | $75,173-28.4% |
| Participation rate | 35.8% | 70.4%-34.5pp | 75.2%-39.3pp | 67.2%-31.4pp |
| Annual return | 24.30% | 19.75%+4.5pp | 21.17%+3.1pp | 160.72%-136.4pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,927 | $3,752+4.7% | $4,738-17.1% | $4,126-4.8% |
| Admin fee / account holder | $2,457 | $6,841-64.1% | $8,961-72.6% | $5,651-56.5% |