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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 | $41,973 | $62,589-32.9% | $76,768-45.3% | $64,173-34.6% |
| Participation rate | 65.5% | 72.8%-7.3pp | 77.0%-11.5pp | 69.6%-4.1pp |
| Annual return | 8.69% | -1.95%+10.6pp | 2.43%+6.3pp | 7.63%+1.1pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,595 | $3,145-49.3% | $3,852-58.6% | $3,470-54.0% |
| Admin fee / account holder | $436 | $4,667-90.7% | $6,675-93.5% | $4,887-91.1% |