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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 | $79,295 | $58,493+35.6% | $84,023-5.6% | $72,976+8.7% |
| Participation rate | 38.9% | 61.2%-22.3pp | 69.0%-30.1pp | 69.5%-30.6pp |
| Annual return | 23.50% | 28.93%-5.4pp | 71.32%-47.8pp | 81.02%-57.5pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,575 | $2,394+7.6% | $3,239-20.5% | $3,608-28.6% |
| Admin fee / account holder | $351 | $4,569-92.3% | $6,102-94.3% | $5,124-93.2% |