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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 | $89,779 | $47,944+87.3% | $67,834+32.4% | $62,881+42.8% |
| Participation rate | 46.2% | 61.1%-14.9pp | 68.8%-22.6pp | 69.3%-23.2pp |
| Annual return | 8.10% | 11.77%-3.7pp | 138.47%-130.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,338 | $2,247-40.5% | $3,160-57.7% | $3,203-58.2% |
| Admin fee / account holder | $324 | $3,712-91.3% | $4,622-93.0% | $4,296-92.5% |