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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 | $87,997 | $107,421-18.1% | $182,262-51.7% | $94,015-6.4% |
| Participation rate | 61.5% | 77.8%-16.2pp | 84.2%-22.7pp | 70.8%-9.3pp |
| Annual return | 15.44% | 21.32%-5.9pp | 140.60%-125.2pp | 17.84%-2.4pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $5,267 | $6,558-19.7% | $8,276-36.4% | $4,249+24.0% |
| Admin fee / account holder | $12,798 | $8,692+47.2% | $16,712-23.4% | $8,951+43.0% |