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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 | $34,477 | $60,788-43.3% | $85,709-59.8% | $79,391-56.6% |
| Participation rate | 40.0% | 62.1%-22.1pp | 69.9%-29.9pp | 70.7%-30.7pp |
| Annual return | 22.23% | 16.57%+5.7pp | 21.49%+0.7pp | 116.88%-94.7pp |
| Employer contribution / active EE | $0 | $1,664-100.0% | $2,619-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,290 | $2,920-21.6% | $3,924-41.6% | $4,046-43.4% |
| Admin fee / account holder | $556 | $439+26.6% | $6,876-91.9% | $627-11.3% |