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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 | $86,050-36.5% | $189,758-71.2% | $94,015-41.9% |
| Participation rate | 56.4% | 68.9%-12.5pp | 79.8%-23.4pp | 70.8%-14.5pp |
| Annual return | 21.09% | 17.77%+3.3pp | 52.62%-31.5pp | 17.84%+3.2pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $4,503 | $3,349+34.5% | $5,856-23.1% | $4,249+6.0% |
| Admin fee / account holder | $329 | $6,627-95.0% | $20,388-98.4% | $8,951-96.3% |