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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 | $64,723 | $54,541+18.7% | $78,778-17.8% | $70,126-7.7% |
| Participation rate | 54.5% | 60.8%-6.3pp | 69.2%-14.6pp | 69.5%-15.0pp |
| Annual return | 14.20% | 21.07%-6.9pp | 35.62%-21.4pp | 73.15%-58.9pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,622 | $2,210-26.6% | $2,958-45.2% | $3,332-51.3% |
| Admin fee / account holder | $4,041 | $3,709+9.0% | $5,134-21.3% | $4,645-13.0% |