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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 | $61,860 | $41,377+49.5% | $109,313-43.4% | $62,881-1.6% |
| Participation rate | 30.8% | 57.5%-26.8pp | 71.3%-40.5pp | 69.3%-38.5pp |
| Annual return | 9.98% | 11.05%-1.1pp | 22.07%-12.1pp | 20.14%-10.2pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,410 | $2,045+17.9% | $3,166-23.9% | $3,203-24.7% |
| Admin fee / account holder | $5,501 | $2,884+90.8% | $5,666-2.9% | $4,296+28.1% |