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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 | $43,801 | $49,791-12.0% | $78,210-44.0% | $70,126-37.5% |
| Participation rate | 61.7% | 62.3%-0.6pp | 68.7%-7.0pp | 69.5%-7.8pp |
| Annual return | 14.20% | 20.75%-6.5pp | 40.90%-26.7pp | 73.15%-58.9pp |
| Employer contribution / active EE | $0 | $1,430-100.0% | $2,034-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,593 | $2,150-25.9% | $2,823-43.6% | $3,332-52.2% |
| Admin fee / account holder | $2,576 | $3,181-19.0% | $3,758-31.5% | $4,645-44.6% |