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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 | $44,488 | $70,002-36.4% | $115,038-61.3% | $52,331-15.0% |
| Participation rate | 69.9% | 72.1%-2.2pp | 81.4%-11.5pp | 68.1%+1.8pp |
| Annual return | 8.94% | 4.04%+4.9pp | 26.14%-17.2pp | 4.54%+4.4pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $5,143 | $4,920+4.5% | $6,026-14.7% | $3,022+70.2% |
| Admin fee / account holder | $3,542 | $566+525.8% | $8,175-56.7% | $592+498.7% |