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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 | $81,403 | $81,358+0.1% | $155,556-47.7% | $80,959+0.5% |
| Participation rate | 57.6% | 66.3%-8.7pp | 78.2%-20.6pp | 67.7%-10.1pp |
| Annual return | 13.07% | 33.39%-20.3pp | 64.84%-51.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,239 | $3,455-6.3% | $5,631-42.5% | $4,300-24.7% |
| Admin fee / account holder | $13,469 | $7,994+68.5% | $15,885-15.2% | $6,925+94.5% |