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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 | $48,510 | $56,894-14.7% | $84,753-42.8% | $62,881-22.9% |
| Participation rate | 61.7% | 68.5%-6.8pp | 76.6%-14.9pp | 69.3%-7.6pp |
| Annual return | 38.55% | 6.30%+32.2pp | 22.78%+15.8pp | 20.14%+18.4pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,335 | $2,709+96.9% | $3,712+43.7% | $3,203+66.6% |
| Admin fee / account holder | $1,894 | $3,581-47.1% | $5,333-64.5% | $4,296-55.9% |