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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 | $45,502 | $65,034-30.0% | $90,970-50.0% | $79,856-43.0% |
| Participation rate | 25.6% | 61.6%-36.0pp | 69.0%-43.4pp | 69.6%-44.0pp |
| Annual return | 13.75% | 30.45%-16.7pp | 134.60%-120.8pp | 31.71%-18.0pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,225 | $2,512-51.2% | $3,373-63.7% | $3,741-67.2% |
| Admin fee / account holder | $949 | $4,536-79.1% | $5,961-84.1% | $5,306-82.1% |