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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 | $66,667 | $58,493+14.0% | $84,023-20.7% | $72,976-8.6% |
| Participation rate | 52.7% | 61.2%-8.5pp | 69.0%-16.3pp | 69.5%-16.8pp |
| Annual return | 23.42% | 28.93%-5.5pp | 71.32%-47.9pp | 81.02%-57.6pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,492 | $2,394+4.1% | $3,239-23.1% | $3,608-30.9% |
| Admin fee / account holder | $815 | $4,569-82.2% | $6,102-86.6% | $5,124-84.1% |