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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 | $64,734+16.9% | $90,796-16.6% | $64,097+18.1% |
| Participation rate | 18.4% | 53.2%-34.8pp | 69.5%-51.0pp | 55.2%-36.7pp |
| Annual return | 17.01% | 17.77%-0.8pp | 19.29%-2.3pp | 34.64%-17.6pp |
| Employer contribution / active EE | $0 | $1,703-100.0% | $2,294-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,701 | $2,629+2.7% | $3,822-29.3% | $3,080-12.3% |
| Admin fee / account holder | $5,753 | $3,474+65.6% | $7,024-18.1% | $3,454+66.5% |