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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 | $88,360-20.1% | $145,433-51.4% | $67,986+3.9% |
| Participation rate | 61.4% | 65.5%-4.1pp | 82.1%-20.7pp | 57.2%+4.2pp |
| Annual return | 18.34% | 63.15%-44.8pp | 66.58%-48.2pp | 31.67%-13.3pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,709 | $5,932-20.6% | $7,897-40.4% | $3,358+40.2% |
| Admin fee / account holder | $732 | $3,313-77.9% | $13,129-94.4% | $3,203-77.1% |