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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 | $51,772 | $63,773-18.8% | $81,286-36.3% | $80,925-36.0% |
| Participation rate | 13.3% | 63.9%-50.6pp | 69.5%-56.2pp | 67.7%-54.3pp |
| Annual return | 18.98% | 16.37%+2.6pp | 24.80%-5.8pp | 35.65%-16.7pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,159 | $3,093-62.5% | $3,883-70.2% | $4,299-73.0% |
| Admin fee / account holder | $4,031 | $5,682-29.1% | $5,764-30.1% | $6,940-41.9% |