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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 | $45,569 | $117,746-61.3% | $256,809-82.3% | $69,733-34.7% |
| Participation rate | 41.2% | 77.1%-35.8pp | 88.5%-47.3pp | 62.5%-21.2pp |
| Annual return | 14.82% | 18.13%-3.3pp | 32.73%-17.9pp | 15.22%-0.4pp |
| Employer contribution / active EE | $0 | $4,123-100.0% | $7,263-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $2,153 | $5,632-61.8% | $9,520-77.4% | $3,054-29.5% |
| Admin fee / account holder | $8,855 | $4,334+104.3% | $25,146-64.8% | $3,102+185.5% |