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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 | $83,008 | $56,544+46.8% | $75,501+9.9% | $70,126+18.4% |
| Participation rate | 56.0% | 68.1%-12.1pp | 72.4%-16.4pp | 69.5%-13.5pp |
| Annual return | 18.36% | 23.59%-5.2pp | 27.35%-9.0pp | 73.15%-54.8pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,136 | $2,580-56.0% | $3,142-63.8% | $3,332-65.9% |
| Admin fee / account holder | $702 | $3,827-81.7% | $5,801-87.9% | $4,645-84.9% |