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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 | $26,305 | $78,690-66.6% | $161,489-83.7% | $87,485-69.9% |
| Participation rate | 68.3% | 67.5%+0.8pp | 78.7%-10.4pp | 68.9%-0.7pp |
| Annual return | 19.49% | 32.74%-13.3pp | 89.72%-70.2pp | 26.06%-6.6pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,615 | $3,311+9.2% | $5,630-35.8% | $4,274-15.4% |
| Admin fee / account holder | $1,593 | $6,724-76.3% | $16,006-90.0% | $7,775-79.5% |