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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 | $76,558 | $71,208+7.5% | $93,681-18.3% | $80,911-5.4% |
| Participation rate | 41.0% | 60.4%-19.4pp | 68.7%-27.7pp | 67.6%-26.6pp |
| Annual return | 14.02% | 11.27%+2.7pp | 133.47%-119.5pp | 35.63%-21.6pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,703 | $4,035+16.6% | $4,415+6.5% | $4,297+9.4% |
| Admin fee / account holder | $4,562 | $6,951-34.4% | $8,290-45.0% | $6,935-34.2% |