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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 | $79,873 | $72,486+10.2% | $87,103-8.3% | $72,976+9.5% |
| Participation rate | 58.5% | 72.8%-14.3pp | 76.9%-18.3pp | 69.5%-11.0pp |
| Annual return | 19.56% | 24.46%-4.9pp | 28.19%-8.6pp | 81.02%-61.5pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,273 | $3,270+61.3% | $4,049+30.2% | $3,608+46.1% |
| Admin fee / account holder | $26,260 | $5,055+419.5% | $7,491+250.5% | $5,124+412.5% |