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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 | $76,674 | $77,814-1.5% | $158,223-51.5% | $86,983-11.9% |
| Participation rate | 51.8% | 68.4%-16.6pp | 79.2%-27.4pp | 69.5%-17.8pp |
| Annual return | 15.27% | 30.54%-15.3pp | 52.09%-36.8pp | 25.83%-10.6pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,489 | $3,270+37.3% | $5,467-17.9% | $4,194+7.0% |
| Admin fee / account holder | $2,753 | $5,879-53.2% | $16,047-82.8% | $7,856-65.0% |