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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 | $78,690-30.6% | $161,489-66.2% | $87,485-37.6% |
| Participation rate | 56.4% | 67.5%-11.1pp | 78.7%-22.3pp | 68.9%-12.6pp |
| Annual return | 21.09% | 32.74%-11.7pp | 89.72%-68.6pp | 26.06%-5.0pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,503 | $3,311+36.0% | $5,630-20.0% | $4,274+5.4% |
| Admin fee / account holder | $329 | $6,724-95.1% | $16,006-97.9% | $7,775-95.8% |