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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 | $84,227 | $138,386-39.1% | $184,260-54.3% | $80,935+4.1% |
| Participation rate | 55.6% | 83.9%-28.3pp | 86.8%-31.3pp | 67.7%-12.1pp |
| Annual return | 13.05% | 20.02%-7.0pp | 28.84%-15.8pp | 35.66%-22.6pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,848 | $7,076-3.2% | $9,133-25.0% | $4,299+59.3% |
| Admin fee / account holder | $6,585 | $10,489-37.2% | $13,898-52.6% | $6,924-4.9% |