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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 | $57,957 | $67,606-14.3% | $82,313-29.6% | $70,131-17.4% |
| Participation rate | 68.6% | 72.8%-4.1pp | 76.9%-8.3pp | 69.5%-0.9pp |
| Annual return | 18.36% | 21.57%-3.2pp | 25.88%-7.5pp | 73.14%-54.8pp |
| Employer contribution / active EE | -$0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $14,288 | $2,987+378.3% | $3,706+285.5% | $3,332+328.8% |
| Admin fee / account holder | $4,216 | $4,512-6.6% | $5,608-24.8% | $4,645-9.3% |