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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 | $70,618 | $75,058-5.9% | $152,301-53.6% | $64,340+9.8% |
| Participation rate | 61.4% | 60.9%+0.5pp | 82.4%-21.0pp | 55.2%+6.2pp |
| Annual return | 18.34% | 29.93%-11.6pp | 80.50%-62.2pp | 24.14%-5.8pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $4,709 | $5,041-6.6% | $8,004-41.2% | $2,980+58.0% |
| Admin fee / account holder | $732 | $4,050-81.9% | $14,398-94.9% | $3,703-80.2% |