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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 | $19,348 | $78,690-75.4% | $161,489-88.0% | $87,485-77.9% |
| Participation rate | 54.3% | 67.5%-13.1pp | 78.7%-24.3pp | 68.9%-14.6pp |
| Annual return | 23.02% | 32.74%-9.7pp | 89.72%-66.7pp | 26.06%-3.0pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,140 | $3,311-5.2% | $5,630-44.2% | $4,274-26.5% |
| Admin fee / account holder | $497 | $6,724-92.6% | $16,006-96.9% | $7,775-93.6% |