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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 | $38,170 | $72,177-47.1% | $115,038-66.8% | $59,633-36.0% |
| Participation rate | 36.2% | 72.6%-36.3pp | 81.4%-45.2pp | 68.7%-32.5pp |
| Annual return | 3.20% | 12.02%-8.8pp | 26.14%-22.9pp | 2041.45%-2038.3pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,301 | $4,783-31.0% | $6,026-45.2% | $3,192+3.4% |
| Admin fee / account holder | $5,981 | $4,927+21.4% | $8,175-26.8% | $4,297+39.2% |