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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 | $59,903 | $63,355-5.4% | $91,994-34.9% | $72,983-17.9% |
| Participation rate | 67.6% | 72.5%-4.9pp | 78.6%-11.0pp | 69.5%-1.8pp |
| Annual return | 21.07% | 35.35%-14.3pp | 69.03%-48.0pp | 81.01%-59.9pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,452-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,268 | $4,883-12.6% | $5,923-27.9% | $3,608+18.3% |
| Admin fee / account holder | $9,233 | $4,668+97.8% | $7,743+19.2% | $5,124+80.2% |