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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 | $78,347 | $65,034+20.5% | $90,970-13.9% | $79,856-1.9% |
| Participation rate | 54.9% | 61.6%-6.7pp | 69.0%-14.1pp | 69.6%-14.7pp |
| Annual return | 13.85% | 30.45%-16.6pp | 134.60%-120.7pp | 31.71%-17.9pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,295 | $2,512-8.7% | $3,373-32.0% | $3,741-38.7% |
| Admin fee / account holder | $825 | $4,536-81.8% | $5,961-86.2% | $5,306-84.4% |