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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 | $52,670 | $78,520-32.9% | $96,576-45.5% | $82,448-36.1% |
| Participation rate | 60.5% | 77.7%-17.3pp | 81.4%-21.0pp | 68.1%-7.6pp |
| Annual return | 31.99% | 41.30%-9.3pp | 38.47%-6.5pp | 41.64%-9.7pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $14,508 | $6,754+114.8% | $7,956+82.3% | $4,139+250.5% |
| Admin fee / account holder | $5,971 | $13,455-55.6% | $11,381-47.5% | $7,234-17.5% |