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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 | $72,101 | $86,330-16.5% | $121,871-40.8% | $94,015-23.3% |
| Participation rate | 43.2% | 66.7%-23.4pp | 73.2%-30.0pp | 70.8%-27.6pp |
| Annual return | 16.48% | 14.95%+1.5pp | 13.57%+2.9pp | 17.84%-1.4pp |
| Employer contribution / active EE | $0 | $2,292-100.0% | $2,731-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $3,357 | $3,146+6.7% | $4,318-22.3% | $4,249-21.0% |
| Admin fee / account holder | $4,764 | $7,346-35.2% | $11,551-58.8% | $8,951-46.8% |