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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 | $46,120 | $72,269-36.2% | $101,271-54.5% | $79,852-42.2% |
| Participation rate | 68.5% | 68.5%0pp | 75.8%-7.3pp | 69.6%-1.1pp |
| Annual return | 15.70% | 22.29%-6.6pp | 46.48%-30.8pp | 31.72%-16.0pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,395 | $3,282+33.9% | $4,371+0.6% | $3,740+17.5% |
| Admin fee / account holder | $5,103 | $4,401+16.0% | $5,948-14.2% | $5,306-3.8% |