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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 | $70,926 | $67,606+4.9% | $82,313-13.8% | $70,124+1.1% |
| Participation rate | 42.9% | 72.8%-29.9pp | 76.9%-34.0pp | 69.5%-26.7pp |
| Annual return | 21.20% | 21.57%-0.4pp | 25.88%-4.7pp | 73.14%-51.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $5,467 | $2,987+83.0% | $3,706+47.5% | $3,332+64.1% |
| Admin fee / account holder | $2,003 | $4,512-55.6% | $5,608-64.3% | $4,645-56.9% |