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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 | $58,048+24.9% | $94,215-23.0% | $65,306+11.1% |
| Participation rate | 19.5% | 45.3%-25.8pp | 70.0%-50.4pp | 57.7%-38.2pp |
| Annual return | 13.95% | 19.61%-5.7pp | 28.22%-14.3pp | 21.94%-8.0pp |
| Employer contribution / active EE | $0 | $1,427-100.0% | $2,675-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,401 | $2,407-41.8% | $4,276-67.2% | $2,959-52.7% |
| Admin fee / account holder | $4,238 | $4,610-8.1% | $10,216-58.5% | $3,480+21.8% |