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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 | $56,539 | $100,194-43.6% | $122,979-54.0% | $86,983-35.0% |
| Participation rate | 40.3% | 73.0%-32.6pp | 77.2%-36.9pp | 69.5%-29.2pp |
| Annual return | 11.80% | 16.47%-4.7pp | 20.12%-8.3pp | 25.83%-14.0pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,954 | $4,133-52.7% | $5,003-60.9% | $4,194-53.4% |
| Admin fee / account holder | $2,465 | $10,148-75.7% | $12,864-80.8% | $7,856-68.6% |