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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 | $72,878 | $78,423-7.1% | $95,964-24.1% | $79,856-8.7% |
| Participation rate | 46.0% | 73.5%-27.5pp | 77.1%-31.1pp | 69.6%-23.6pp |
| Annual return | 21.21% | 19.37%+1.8pp | 91.64%-70.4pp | 31.71%-10.5pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,646 | $3,440-52.2% | $4,167-60.5% | $3,741-56.0% |
| Admin fee / account holder | $6,185 | $5,622+10.0% | $6,797-9.0% | $5,306+16.6% |