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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 | $25,403 | $63,949-60.3% | $129,031-80.3% | $94,015-73.0% |
| Participation rate | 55.6% | 63.4%-7.9pp | 73.4%-17.8pp | 70.8%-15.3pp |
| Annual return | 12.37% | 17.56%-5.2pp | 34.67%-22.3pp | 17.84%-5.5pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,829 | $3,686-50.4% | $5,217-64.9% | $4,249-57.0% |
| Admin fee / account holder | $933 | $5,523-83.1% | $13,208-92.9% | $8,951-89.6% |