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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 | $23,429 | $56,894-58.8% | $84,753-72.4% | $62,881-62.7% |
| Participation rate | 35.3% | 68.5%-33.2pp | 76.6%-41.3pp | 69.3%-34.0pp |
| Annual return | 37.62% | 6.30%+31.3pp | 22.78%+14.8pp | 20.14%+17.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,319 | $2,709-51.3% | $3,712-64.5% | $3,203-58.8% |
| Admin fee / account holder | $1,661 | $3,581-53.6% | $5,333-68.9% | $4,296-61.3% |