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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 | $40,928 | $75,541-45.8% | $152,093-73.1% | $82,637-50.5% |
| Participation rate | 44.7% | 66.5%-21.8pp | 77.8%-33.0pp | 68.1%-23.3pp |
| Annual return | 13.54% | 32.56%-19.0pp | 66.36%-52.8pp | 53.51%-40.0pp |
| Employer contribution / active EE | $1 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,375 | $3,206-25.9% | $5,451-56.4% | $4,126-42.4% |
| Admin fee / account holder | $4,694 | $6,405-26.7% | $14,497-67.6% | $7,339-36.0% |