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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 | $106,864-25.5% | $147,318-46.0% | $82,637-3.7% |
| Participation rate | 57.4% | 75.5%-18.2pp | 82.1%-24.7pp | 68.1%-10.7pp |
| Annual return | 19.49% | 27.49%-8.0pp | 70.43%-50.9pp | 53.51%-34.0pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $10,220 | $6,496+57.3% | $7,906+29.3% | $4,126+147.7% |
| Admin fee / account holder | $9,613 | $8,415+14.2% | $13,708-29.9% | $7,339+31.0% |