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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 | $59,955 | $67,602-11.3% | $82,312-27.2% | $70,126-14.5% |
| Participation rate | 48.2% | 72.8%-24.6pp | 76.9%-28.7pp | 69.5%-21.3pp |
| Annual return | 22.85% | 21.57%+1.3pp | 25.88%-3.0pp | 73.15%-50.3pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,017 | $2,987+34.5% | $3,706+8.4% | $3,332+20.6% |
| Admin fee / account holder | $6,675 | $4,512+47.9% | $5,608+19.0% | $4,645+43.7% |