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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 | $36,562 | $97,648-62.6% | $121,663-69.9% | $87,485-58.2% |
| Participation rate | 54.2% | 70.5%-16.2pp | 74.5%-20.3pp | 68.9%-14.7pp |
| Annual return | 13.76% | 18.03%-4.3pp | 147.54%-133.8pp | 26.06%-12.3pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,533 | $3,923-35.4% | $4,887-48.2% | $4,274-40.7% |
| Admin fee / account holder | $920 | $11,100-91.7% | $14,289-93.6% | $7,775-88.2% |