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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 | $87,912 | $72,273+21.6% | $101,275-13.2% | $79,856+10.1% |
| Participation rate | 35.5% | 68.5%-33.0pp | 75.8%-40.3pp | 69.6%-34.2pp |
| Annual return | 15.39% | 22.30%-6.9pp | 46.48%-31.1pp | 31.71%-16.3pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,594 | $3,282-20.9% | $4,371-40.6% | $3,741-30.6% |
| Admin fee / account holder | $639 | $4,401-85.5% | $5,948-89.3% | $5,306-88.0% |