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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 | $40,210 | $64,348-37.5% | $90,162-55.4% | $70,131-42.7% |
| Participation rate | 67.9% | 70.4%-2.6pp | 76.9%-9.0pp | 69.5%-1.7pp |
| Annual return | 15.23% | 28.13%-12.9pp | 34.88%-19.7pp | 73.14%-57.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $4,658 | $4,389+6.1% | $5,287-11.9% | $3,332+39.8% |
| Admin fee / account holder | $1,318 | $3,944-66.6% | $5,943-77.8% | $4,645-71.6% |