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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 | $72,530 | $55,932+29.7% | $76,735-5.5% | $67,986+6.7% |
| Participation rate | 19.5% | 50.8%-31.3pp | 69.5%-50.0pp | 57.2%-37.7pp |
| Annual return | 13.95% | 23.10%-9.2pp | 29.77%-15.8pp | 31.67%-17.7pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,401 | $2,558-45.2% | $4,088-65.7% | $3,358-58.3% |
| Admin fee / account holder | $4,238 | $4,907-13.6% | $7,189-41.0% | $3,203+32.3% |