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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 | $28,975 | $61,214-52.7% | $83,322-65.2% | $56,287-48.5% |
| Participation rate | 55.2% | 72.6%-17.3pp | 77.8%-22.5pp | 69.9%-14.6pp |
| Annual return | 8.48% | 0.42%+8.1pp | 10.64%-2.2pp | -9.96%+18.4pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $5,023 | $5,091-1.3% | $5,565-9.7% | $3,350+50.0% |
| Admin fee / account holder | $1,435 | $512+180.5% | $7,540-81.0% | $521+175.4% |