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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 | $74,784 | $57,590+29.9% | $86,233-13.3% | $82,448-9.3% |
| Participation rate | 46.7% | 57.9%-11.2pp | 69.0%-22.4pp | 68.1%-21.4pp |
| Annual return | 17.37% | 22.41%-5.0pp | 61.39%-44.0pp | 41.64%-24.3pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,042 | $3,080-1.2% | $4,559-33.3% | $4,139-26.5% |
| Admin fee / account holder | $9,661 | $4,730+104.2% | $8,342+15.8% | $7,234+33.5% |