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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 | $57,934 | $58,523-1.0% | $99,475-41.8% | $72,975-20.6% |
| Participation rate | 42.5% | 64.6%-22.1pp | 73.8%-31.3pp | 69.5%-27.0pp |
| Annual return | 22.97% | 28.51%-5.5pp | 30.72%-7.7pp | 81.01%-58.0pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,623 | $2,606+0.7% | $3,619-27.5% | $3,608-27.3% |
| Admin fee / account holder | $528 | $4,102-87.1% | $6,252-91.6% | $5,124-89.7% |