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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 | $25,908 | $76,407-66.1% | $150,298-82.8% | $82,448-68.6% |
| Participation rate | 69.6% | 66.4%+3.2pp | 77.8%-8.2pp | 68.1%+1.5pp |
| Annual return | 27.88% | 39.99%-12.1pp | 62.79%-34.9pp | 41.64%-13.8pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,439 | $3,214+7.0% | $5,453-36.9% | $4,139-16.9% |
| Admin fee / account holder | $1,790 | $6,352-71.8% | $14,116-87.3% | $7,234-75.3% |