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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 | $72,424 | $67,602+7.1% | $82,312-12.0% | $70,126+3.3% |
| Participation rate | 62.7% | 72.8%-10.0pp | 76.9%-14.1pp | 69.5%-6.8pp |
| Annual return | 17.29% | 21.57%-4.3pp | 25.88%-8.6pp | 73.15%-55.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,838 | $2,987-38.5% | $3,706-50.4% | $3,332-44.8% |
| Admin fee / account holder | $4,635 | $4,512+2.7% | $5,608-17.3% | $4,645-0.2% |