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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 | $95,363 | $83,485+14.2% | $125,195-23.8% | $72,976+30.7% |
| Participation rate | 58.6% | 73.3%-14.7pp | 79.8%-21.2pp | 69.5%-10.9pp |
| Annual return | 20.02% | 25.77%-5.7pp | 43.79%-23.8pp | 81.02%-61.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,800 | $3,586+61.7% | $4,937+17.5% | $3,608+60.8% |
| Admin fee / account holder | $7,609 | $5,518+37.9% | $9,704-21.6% | $5,124+48.5% |