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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 | $42,145 | $64,890-35.1% | $134,172-68.6% | $67,986-38.0% |
| Participation rate | 21.7% | 48.5%-26.9pp | 72.5%-50.8pp | 57.2%-35.5pp |
| Annual return | 17.22% | 16.12%+1.1pp | 25.30%-8.1pp | 31.67%-14.4pp |
| Employer contribution / active EE | $0 | $1,360-100.0% | $3,420-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $941 | $2,289-58.9% | $4,690-79.9% | $3,358-72.0% |
| Admin fee / account holder | $687 | $3,140-78.1% | $12,016-94.3% | $3,203-78.6% |