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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 | $64,529 | $72,177-10.6% | $115,038-43.9% | $59,633+8.2% |
| Participation rate | 58.3% | 72.6%-14.2pp | 81.4%-23.0pp | 68.7%-10.3pp |
| Annual return | 8.23% | 12.02%-3.8pp | 26.14%-17.9pp | 2041.45%-2033.2pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,400 | $4,783-28.9% | $6,026-43.6% | $3,192+6.5% |
| Admin fee / account holder | $4,292 | $4,927-12.9% | $8,175-47.5% | $4,297-0.1% |