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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 | $70,287 | $96,524-27.2% | $75,900-7.4% | $152,909-54.0% |
| Participation rate | 40.0% | 76.2%-36.2pp | 69.3%-29.3pp | 82.5%-42.5pp |
| Annual return | 21.56% | 33.93%-12.4pp | 30.73%-9.2pp | 345.46%-323.9pp |
| Employer contribution / active EE | $0 | $3,311-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,227 | $4,554-29.1% | $3,604-10.5% | $5,851-44.9% |
| Admin fee / account holder | $9,109 | $8,082+12.7% | $5,421+68.0% | $11,601-21.5% |