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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 | $69,450 | $55,713+24.7% | $75,901-8.5% | $72,975-4.8% |
| Participation rate | 38.3% | 61.1%-22.9pp | 69.3%-31.0pp | 69.5%-31.2pp |
| Annual return | 24.32% | 27.60%-3.3pp | 30.76%-6.4pp | 81.01%-56.7pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,302 | $2,634-50.6% | $3,603-63.9% | $3,608-63.9% |
| Admin fee / account holder | $3,974 | $3,980-0.2% | $5,420-26.7% | $5,124-22.4% |