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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 | $32,661 | $67,602-51.7% | $82,312-60.3% | $70,126-53.4% |
| Participation rate | 25.9% | 72.8%-46.8pp | 76.9%-51.0pp | 69.5%-43.6pp |
| Annual return | 13.59% | 21.57%-8.0pp | 25.88%-12.3pp | 73.15%-59.6pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,783 | $2,987-40.3% | $3,706-51.9% | $3,332-46.5% |
| Admin fee / account holder | $1,702 | $4,512-62.3% | $5,608-69.7% | $4,645-63.4% |