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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 | $60,412 | $54,541+10.8% | $78,778-23.3% | $70,126-13.9% |
| Participation rate | 30.6% | 60.8%-30.2pp | 69.2%-38.6pp | 69.5%-39.0pp |
| Annual return | 13.56% | 21.07%-7.5pp | 35.62%-22.1pp | 73.15%-59.6pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,915 | $2,210-13.4% | $2,958-35.3% | $3,332-42.5% |
| Admin fee / account holder | $356 | $3,709-90.4% | $5,134-93.1% | $4,645-92.3% |