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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 | $65,295 | $41,016+59.2% | $152,093-57.1% | $64,097+1.9% |
| Participation rate | 36.0% | 51.3%-15.4pp | 77.8%-41.8pp | 55.2%-19.2pp |
| Annual return | 13.24% | 39.60%-26.4pp | 66.36%-53.1pp | 34.64%-21.4pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $3,367 | $1,927+74.7% | $5,451-38.2% | $3,080+9.3% |
| Admin fee / account holder | $8,424 | $2,305+265.4% | $14,497-41.9% | $3,454+143.9% |