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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 | $101,459 | $81,504+24.5% | $102,437-1.0% | $80,959+25.3% |
| Participation rate | 56.7% | 66.9%-10.2pp | 74.5%-17.8pp | 67.7%-11.0pp |
| Annual return | 10.77% | 25.60%-14.8pp | 24.95%-14.2pp | 35.67%-24.9pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,574 | $3,871+69.8% | $5,060+29.9% | $4,300+52.9% |
| Admin fee / account holder | $992 | $6,719-85.2% | $8,388-88.2% | $6,925-85.7% |