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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 | $68,138 | $76,551-11.0% | $123,894-45.0% | $62,881+8.4% |
| Participation rate | 48.1% | 73.0%-24.9pp | 81.4%-33.4pp | 69.3%-21.3pp |
| Annual return | 17.23% | 18.68%-1.4pp | 47.52%-30.3pp | 20.14%-2.9pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,031 | $4,840+65.9% | $5,984+34.2% | $3,203+150.7% |
| Admin fee / account holder | $720 | $4,826-85.1% | $8,357-91.4% | $4,296-83.2% |