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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 | $60,361 | $53,583+12.6% | $114,563-47.3% | $64,340-6.2% |
| Participation rate | 29.0% | 47.4%-18.4pp | 72.9%-43.9pp | 55.2%-26.3pp |
| Annual return | 17.03% | 24.51%-7.5pp | 241.09%-224.1pp | 24.14%-7.1pp |
| Employer contribution / active EE | $0 | $1,087-100.0% | $2,592-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,063 | $2,134-3.3% | $4,142-50.2% | $2,980-30.8% |
| Admin fee / account holder | $781 | $3,206-75.6% | $7,623-89.8% | $3,703-78.9% |