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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 | $95,619 | $100,194-4.6% | $122,979-22.2% | $86,983+9.9% |
| Participation rate | 48.3% | 73.0%-24.7pp | 77.2%-28.9pp | 69.5%-21.3pp |
| Annual return | 17.57% | 16.47%+1.1pp | 20.12%-2.5pp | 25.83%-8.3pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $7,551 | $4,133+82.7% | $5,003+50.9% | $4,194+80.0% |
| Admin fee / account holder | $2,595 | $10,148-74.4% | $12,864-79.8% | $7,856-67.0% |