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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 | $24,616 | $58,523-57.9% | $99,475-75.3% | $72,975-66.3% |
| Participation rate | 25.6% | 64.6%-39.0pp | 73.8%-48.2pp | 69.5%-43.9pp |
| Annual return | 21.69% | 28.51%-6.8pp | 30.72%-9.0pp | 81.01%-59.3pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,749 | $2,606-32.9% | $3,619-51.7% | $3,608-51.5% |
| Admin fee / account holder | $2,659 | $4,102-35.2% | $6,252-57.5% | $5,124-48.1% |