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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 | $74,749 | $87,132-14.2% | $105,624-29.2% | $80,959-7.7% |
| Participation rate | 61.7% | 70.4%-8.8pp | 75.3%-13.6pp | 67.7%-6.0pp |
| Annual return | 16.03% | 17.03%-1.0pp | 116.20%-100.2pp | 35.67%-19.6pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,124 | $3,985-21.6% | $5,013-37.7% | $4,300-27.3% |
| Admin fee / account holder | $2,211 | $8,449-73.8% | $10,961-79.8% | $6,925-68.1% |