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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 | $83,668 | $109,359-23.5% | $162,177-48.4% | $72,975+14.7% |
| Participation rate | 59.6% | 84.3%-24.6pp | 87.6%-27.9pp | 69.5%-9.9pp |
| Annual return | 21.82% | 25.46%-3.6pp | 115.60%-93.8pp | 81.01%-59.2pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,818 | $5,481+24.4% | $7,297-6.6% | $3,608+89.0% |
| Admin fee / account holder | $893 | $7,972-88.8% | $10,843-91.8% | $5,124-82.6% |