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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 | $33,205 | $59,804-44.5% | $81,982-59.5% | $79,856-58.4% |
| Participation rate | 66.0% | 61.6%+4.4pp | 69.3%-3.2pp | 69.6%-3.6pp |
| Annual return | 13.69% | 17.56%-3.9pp | 41.31%-27.6pp | 31.71%-18.0pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,186 | $2,695-18.9% | $3,722-41.3% | $3,741-41.6% |
| Admin fee / account holder | $1,455 | $4,288-66.1% | $5,665-74.3% | $5,306-72.6% |