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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 | $31,826 | $76,407-58.3% | $150,298-78.8% | $82,448-61.4% |
| Participation rate | 52.5% | 66.4%-13.9pp | 77.8%-25.3pp | 68.1%-15.6pp |
| Annual return | 42.32% | 39.99%+2.3pp | 62.79%-20.5pp | 41.64%+0.7pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,333 | $3,214-27.4% | $5,453-57.2% | $4,139-43.6% |
| Admin fee / account holder | $965 | $6,352-84.8% | $14,116-93.2% | $7,234-86.7% |