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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 | $41,397 | $32,037+29.2% | $69,182-40.2% | $62,881-34.2% |
| Participation rate | 48.9% | 43.4%+5.5pp | 55.1%-6.2pp | 69.3%-20.4pp |
| Annual return | 7.08% | 15.16%-8.1pp | -21.93%+29.0pp | 20.14%-13.1pp |
| Employer contribution / active EE | $0 | $679-100.0% | $1,206-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,751 | $1,185+132.1% | $1,897+45.0% | $3,203-14.1% |
| Admin fee / account holder | $2,195 | $2,608-15.8% | $2,697-18.6% | $4,296-48.9% |