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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 | $36,782 | $98,779-62.8% | $149,751-75.4% | $79,859-53.9% |
| Participation rate | 64.8% | 75.8%-11.0pp | 82.5%-17.7pp | 69.6%-4.8pp |
| Annual return | 16.35% | 27.38%-11.0pp | 276.71%-260.4pp | 31.71%-15.4pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $6,380 | $5,682+12.3% | $6,843-6.8% | $3,741+70.6% |
| Admin fee / account holder | $4,354 | $6,053-28.1% | $9,312-53.2% | $5,307-17.9% |