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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 | $79,601 | $106,749-25.4% | $145,433-45.3% | $82,448-3.5% |
| Participation rate | 57.4% | 75.6%-18.3pp | 82.1%-24.8pp | 68.1%-10.7pp |
| Annual return | 19.49% | 27.59%-8.1pp | 66.58%-47.1pp | 41.64%-22.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $10,220 | $6,519+56.8% | $7,897+29.4% | $4,139+146.9% |
| Admin fee / account holder | $9,613 | $8,390+14.6% | $13,129-26.8% | $7,234+32.9% |