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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 | $72,548 | $58,848+23.3% | $88,179-17.7% | $82,637-12.2% |
| Participation rate | 16.1% | 57.9%-41.8pp | 69.1%-53.0pp | 68.1%-51.9pp |
| Annual return | 16.21% | 22.76%-6.6pp | 64.97%-48.8pp | 53.51%-37.3pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,992 | $3,124-36.2% | $4,614-56.8% | $4,126-51.7% |
| Admin fee / account holder | $5,454 | $4,795+13.7% | $7,673-28.9% | $7,339-25.7% |