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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 | $36,560 | $58,655-37.7% | $91,994-60.3% | $65,186-43.9% |
| Participation rate | 68.2% | 75.3%-7.1pp | 78.6%-10.5pp | 70.2%-2.0pp |
| Annual return | 65.37% | 33.92%+31.5pp | 69.04%-3.7pp | 29.39%+36.0pp |
| Employer contribution / active EE | $0 | $2,080-100.0% | $3,453-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $7,939 | $5,474+45.0% | $5,924+34.0% | $3,514+125.9% |
| Admin fee / account holder | $645 | $434+48.5% | $7,744-91.7% | $847-23.9% |