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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 | $31,960 | $43,075-25.8% | $74,577-57.1% | $62,881-49.2% |
| Participation rate | 50.0% | 58.1%-8.1pp | 68.1%-18.1pp | 69.3%-19.3pp |
| Annual return | 5.41% | 17.50%-12.1pp | 20.47%-15.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,468 | $2,389+212.5% | $3,458+116.0% | $3,203+133.2% |
| Admin fee / account holder | $4,205 | $2,840+48.1% | $4,138+1.6% | $4,296-2.1% |