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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 | $59,270 | $77,472-23.5% | $100,392-41.0% | $80,935-26.8% |
| Participation rate | 48.0% | 76.9%-28.9pp | 81.5%-33.5pp | 67.7%-19.7pp |
| Annual return | 18.66% | 37.26%-18.6pp | 49.45%-30.8pp | 35.66%-17.0pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,590 | $6,818+11.3% | $8,090-6.2% | $4,299+76.5% |
| Admin fee / account holder | $5,981 | $5,885+1.6% | $7,904-24.3% | $6,924-13.6% |