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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 | $36,980 | $103,949-64.4% | $69,182-46.5% | $273,972-86.5% |
| Participation rate | 62.5% | 67.4%-4.9pp | 55.1%+7.4pp | 83.0%-20.5pp |
| Annual return | 5.33% | 35.28%-29.9pp | -21.93%+27.3pp | 41.46%-36.1pp |
| Employer contribution / active EE | $0 | $1,783-100.0% | $1,206-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,237 | $2,716-54.4% | $1,897-34.8% | $5,287-76.6% |
| Admin fee / account holder | $2,663 | $3,671-27.5% | $2,697-1.3% | $10,133-73.7% |