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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 | $83,251 | $77,638+7.2% | $156,551-46.8% | $62,881+32.4% |
| Participation rate | 65.8% | 71.2%-5.4pp | 84.0%-18.2pp | 69.3%-3.5pp |
| Annual return | 7.41% | 50.33%-42.9pp | 32.23%-24.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,085 | $3,046+1.3% | $4,871-36.7% | $3,203-3.7% |
| Admin fee / account holder | $6,592 | $5,561+18.5% | $13,028-49.4% | $4,296+53.5% |