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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 | $56,826 | $54,297+4.7% | $97,032-41.4% | $65,306-13.0% |
| Participation rate | 34.7% | 42.3%-7.7pp | 71.6%-36.9pp | 57.7%-23.0pp |
| Annual return | 19.06% | 21.17%-2.1pp | 35.38%-16.3pp | 21.94%-2.9pp |
| Employer contribution / active EE | $0 | $1,365-100.0% | $2,629-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $3,270 | $2,259+44.8% | $4,672-30.0% | $2,959+10.5% |
| Admin fee / account holder | $4,416 | $3,744+17.9% | $9,418-53.1% | $3,480+26.9% |