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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 | $62,886 | $77,358-18.7% | $102,184-38.5% | $87,485-28.1% |
| Participation rate | 53.4% | 78.7%-25.3pp | 82.6%-29.2pp | 68.9%-15.5pp |
| Annual return | 26.77% | 41.11%-14.3pp | 31.58%-4.8pp | 26.06%+0.7pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $7,966 | $6,753+18.0% | $8,309-4.1% | $4,274+86.4% |
| Admin fee / account holder | $614 | $6,809-91.0% | $11,609-94.7% | $7,775-92.1% |