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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 | $93,691 | $65,367+43.3% | $92,915+0.8% | $72,976+28.4% |
| Participation rate | 63.8% | 68.3%-4.5pp | 76.0%-12.2pp | 69.5%-5.7pp |
| Annual return | 21.86% | 42.11%-20.2pp | 109.45%-87.6pp | 81.02%-59.2pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,280 | $3,128+36.8% | $4,238+1.0% | $3,608+18.6% |
| Admin fee / account holder | $11,081 | $4,251+160.6% | $5,796+91.2% | $5,124+116.3% |