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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 | $65,768 | $72,492-9.3% | $87,104-24.5% | $72,975-9.9% |
| Participation rate | 52.6% | 72.8%-20.2pp | 76.9%-24.2pp | 69.5%-16.9pp |
| Annual return | 23.04% | 24.46%-1.4pp | 28.19%-5.2pp | 81.01%-58.0pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,549 | $3,270+8.5% | $4,048-12.3% | $3,608-1.6% |
| Admin fee / account holder | $2,014 | $5,055-60.2% | $7,491-73.1% | $5,124-60.7% |