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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 | $89,855 | $72,492+24.0% | $87,102+3.2% | $72,983+23.1% |
| Participation rate | 65.6% | 72.8%-7.2pp | 76.9%-11.2pp | 69.5%-3.9pp |
| Annual return | 18.08% | 24.46%-6.4pp | 28.19%-10.1pp | 81.01%-62.9pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,291 | $3,270-29.9% | $4,048-43.4% | $3,608-36.5% |
| Admin fee / account holder | $6,813 | $5,055+34.8% | $7,491-9.1% | $5,124+33.0% |