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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 | $33,285 | $45,312-26.5% | $86,233-61.4% | $67,986-51.0% |
| Participation rate | 60.1% | 42.4%+17.7pp | 69.0%-8.9pp | 57.2%+2.9pp |
| Annual return | 19.83% | 24.79%-5.0pp | 61.39%-41.6pp | 31.67%-11.8pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,745 | $2,185+117.2% | $4,559+4.1% | $3,358+41.3% |
| Admin fee / account holder | $1,198 | $3,295-63.7% | $8,342-85.6% | $3,203-62.6% |