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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 | $68,137 | $53,774+26.7% | $134,162-49.2% | $79,856-14.7% |
| Participation rate | 42.0% | 58.8%-16.8pp | 72.2%-30.2pp | 69.6%-27.6pp |
| Annual return | 16.65% | 19.01%-2.4pp | 36.35%-19.7pp | 31.71%-15.1pp |
| Employer contribution / active EE | $0 | $1,322-100.0% | $3,705-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,058 | $2,420+67.7% | $3,500+15.9% | $3,741+8.5% |
| Admin fee / account holder | $3,666 | $3,985-8.0% | $6,685-45.2% | $5,306-30.9% |