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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 | $24,715 | $47,848-48.3% | $81,473-69.7% | $70,126-64.8% |
| Participation rate | 43.6% | 58.3%-14.6pp | 68.0%-24.3pp | 69.5%-25.9pp |
| Annual return | 18.17% | 27.25%-9.1pp | 38.78%-20.6pp | 73.15%-55.0pp |
| Employer contribution / active EE | $0 | $1,527-100.0% | $2,568-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,764 | $2,453+12.7% | $3,537-21.9% | $3,332-17.0% |
| Admin fee / account holder | $306 | $3,145-90.3% | $4,561-93.3% | $4,645-93.4% |