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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 | $41,038 | $43,338-5.3% | $59,887-31.5% | $64,173-36.1% |
| Participation rate | 21.6% | 69.2%-47.6pp | 74.7%-53.1pp | 69.6%-48.0pp |
| Annual return | 6.90% | -1.55%+8.5pp | 3.46%+3.4pp | 7.63%-0.7pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,722-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $992 | $2,547-61.0% | $3,402-70.8% | $3,470-71.4% |
| Admin fee / account holder | $519 | $3,007-82.7% | $3,591-85.5% | $4,887-89.4% |