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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 | $72,539 | $62,672+15.7% | $185,117-60.8% | $70,124+3.4% |
| Participation rate | 42.9% | 63.8%-20.9pp | 77.3%-34.4pp | 69.5%-26.7pp |
| Annual return | 17.87% | 40.79%-22.9pp | 40.50%-22.6pp | 73.14%-55.3pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $3,070 | $3,272-6.2% | $5,045-39.1% | $3,332-7.9% |
| Admin fee / account holder | $3,583 | $3,932-8.9% | $8,159-56.1% | $4,645-22.9% |