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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 | $50,586 | $71,208-29.0% | $93,681-46.0% | $80,911-37.5% |
| Participation rate | 68.3% | 60.4%+7.9pp | 68.7%-0.4pp | 67.6%+0.6pp |
| Annual return | 28.23% | 11.27%+17.0pp | 133.47%-105.2pp | 35.63%-7.4pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,330 | $4,035-17.5% | $4,415-24.6% | $4,297-22.5% |
| Admin fee / account holder | $8,944 | $6,951+28.7% | $8,290+7.9% | $6,935+29.0% |