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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 | $65,228 | $61,660+5.8% | $80,022-18.5% | $64,173+1.6% |
| Participation rate | 64.3% | 71.7%-7.4pp | 75.8%-11.5pp | 69.6%-5.3pp |
| Annual return | -4.11% | -0.33%-3.8pp | 11.22%-15.3pp | 7.63%-11.7pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,073 | $2,968-30.2% | $3,686-43.8% | $3,470-40.3% |
| Admin fee / account holder | $6,210 | $5,417+14.6% | $6,521-4.8% | $4,887+27.1% |