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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 | $129,864 | $78,027+66.4% | $178,528-27.3% | $80,925+60.5% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.7%-17.7pp |
| Annual return | 15.69% | 18.09%-2.4pp | 27.11%-11.4pp | 35.65%-20.0pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,079 | $4,408+60.6% | $6,278+12.8% | $4,299+64.7% |
| Admin fee / account holder | $2,787 | $7,168-61.1% | $10,419-73.2% | $6,940-59.8% |