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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 | $56,069 | $49,138+14.1% | $84,023-33.3% | $65,186-14.0% |
| Participation rate | 24.8% | 60.7%-36.0pp | 69.0%-44.2pp | 70.2%-45.4pp |
| Annual return | 19.39% | 23.00%-3.6pp | 71.32%-51.9pp | 29.39%-10.0pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,342 | $2,397-44.0% | $3,239-58.6% | $3,514-61.8% |
| Admin fee / account holder | $1,437 | $543+164.5% | $6,102-76.4% | $847+69.6% |