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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 | $54,592 | $61,605-11.4% | $112,273-51.4% | $75,173-27.4% |
| Participation rate | 64.1% | 61.7%+2.4pp | 72.4%-8.3pp | 67.2%-3.1pp |
| Annual return | 12.99% | 28.47%-15.5pp | 30.23%-17.2pp | 160.72%-147.7pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $3,431-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,016 | $3,108-3.0% | $4,800-37.2% | $4,126-26.9% |
| Admin fee / account holder | $13,720 | $4,862+182.2% | $7,752+77.0% | $5,651+142.8% |