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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 | $42,048 | $77,523-45.8% | $100,383-58.1% | $80,874-48.0% |
| Participation rate | 64.0% | 77.0%-13.0pp | 81.5%-17.5pp | 67.6%-3.6pp |
| Annual return | 18.44% | 37.21%-18.8pp | 49.26%-30.8pp | 35.62%-17.2pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,944-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $9,151 | $6,822+34.1% | $8,086+13.2% | $4,297+113.0% |
| Admin fee / account holder | $9,766 | $5,899+65.6% | $7,900+23.6% | $6,935+40.8% |