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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 | $33,482 | $61,391-45.5% | $149,723-77.6% | $71,529-53.2% |
| Participation rate | 48.3% | 62.5%-14.2pp | 78.8%-30.5pp | 67.9%-19.6pp |
| Annual return | 13.56% | 35.88%-22.3pp | 134.50%-120.9pp | 28.97%-15.4pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $4,821-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $2,652 | $2,921-9.2% | $5,682-53.3% | $4,291-38.2% |
| Admin fee / account holder | $7,837 | $1,264+519.9% | $13,215-40.7% | $1,588+393.4% |