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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 | $59,056 | $81,403-27.5% | $147,027-59.8% | $87,485-32.5% |
| Participation rate | 26.7% | 63.4%-36.8pp | 73.7%-47.1pp | 68.9%-42.3pp |
| Annual return | 30.36% | 16.51%+13.8pp | 20.23%+10.1pp | 26.06%+4.3pp |
| Employer contribution / active EE | $0 | $2,205-100.0% | $3,626-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,453 | $3,315-56.2% | $4,933-70.5% | $4,274-66.0% |
| Admin fee / account holder | $4,199 | $6,755-37.8% | $12,223-65.6% | $7,775-46.0% |