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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 | $106,266 | $72,492+46.6% | $87,102+22.0% | $72,983+45.6% |
| Participation rate | 32.4% | 72.8%-40.4pp | 76.9%-44.4pp | 69.5%-37.1pp |
| Annual return | 27.88% | 24.46%+3.4pp | 28.19%-0.3pp | 81.01%-53.1pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,471 | $3,270-55.0% | $4,048-63.7% | $3,608-59.2% |
| Admin fee / account holder | $661 | $5,055-86.9% | $7,491-91.2% | $5,124-87.1% |