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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 | $69,423 | $53,774+29.1% | $134,162-48.3% | $79,852-13.1% |
| Participation rate | 32.3% | 58.8%-26.5pp | 72.2%-39.9pp | 69.6%-37.4pp |
| Annual return | 22.09% | 19.01%+3.1pp | 36.35%-14.3pp | 31.72%-9.6pp |
| Employer contribution / active EE | $0 | $1,322-100.0% | $3,705-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,210 | $2,420-8.7% | $3,500-36.8% | $3,740-40.9% |
| Admin fee / account holder | $5,806 | $3,985+45.7% | $6,685-13.1% | $5,306+9.4% |