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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 | $54,213 | $58,493-7.3% | $84,023-35.5% | $72,976-25.7% |
| Participation rate | 22.7% | 61.2%-38.6pp | 69.0%-46.4pp | 69.5%-46.8pp |
| Annual return | 16.65% | 28.93%-12.3pp | 71.32%-54.7pp | 81.02%-64.4pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,071 | $2,394-55.3% | $3,239-66.9% | $3,608-70.3% |
| Admin fee / account holder | $1,533 | $4,569-66.4% | $6,102-74.9% | $5,124-70.1% |