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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 | $27,662 | $46,877-41.0% | $122,354-77.4% | $70,126-60.6% |
| Participation rate | 53.5% | 58.2%-4.7pp | 71.6%-18.1pp | 69.5%-16.0pp |
| Annual return | 18.23% | 24.22%-6.0pp | 30.28%-12.0pp | 73.15%-54.9pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,560 | $2,167-28.0% | $3,287-52.5% | $3,332-53.2% |
| Admin fee / account holder | $385 | $3,324-88.4% | $5,479-93.0% | $4,645-91.7% |