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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 | $75,702 | $63,904+18.5% | $89,340-15.3% | $67,986+11.3% |
| Participation rate | 18.4% | 54.3%-35.9pp | 69.6%-51.1pp | 57.2%-38.8pp |
| Annual return | 17.01% | 18.09%-1.1pp | 20.57%-3.6pp | 31.67%-14.7pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,701 | $2,691+0.4% | $3,823-29.3% | $3,358-19.6% |
| Admin fee / account holder | $5,753 | $3,315+73.5% | $6,704-14.2% | $3,203+79.6% |