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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 | $54,599 | $76,407-28.5% | $150,298-63.7% | $82,448-33.8% |
| Participation rate | 56.4% | 66.4%-10.0pp | 77.8%-21.4pp | 68.1%-11.7pp |
| Annual return | 21.09% | 39.99%-18.9pp | 62.79%-41.7pp | 41.64%-20.6pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,503 | $3,214+40.1% | $5,453-17.4% | $4,139+8.8% |
| Admin fee / account holder | $329 | $6,352-94.8% | $14,116-97.7% | $7,234-95.5% |