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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 | $61,616 | $56,287+9.5% | $80,977-23.9% | $62,881-2.0% |
| Participation rate | 56.0% | 68.9%-12.9pp | 75.8%-19.8pp | 69.3%-13.3pp |
| Annual return | 10.97% | 22.13%-11.2pp | 17.11%-6.1pp | 20.14%-9.2pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,622 | $4,196-13.7% | $5,696-36.4% | $3,203+13.1% |
| Admin fee / account holder | $12,490 | $3,742+233.8% | $5,517+126.4% | $4,296+190.7% |