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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 | $48,450 | $72,486-33.2% | $87,103-44.4% | $72,976-33.6% |
| Participation rate | 53.7% | 72.8%-19.2pp | 76.9%-23.2pp | 69.5%-15.8pp |
| Annual return | 17.10% | 24.46%-7.4pp | 28.19%-11.1pp | 81.02%-63.9pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,089 | $3,270-36.1% | $4,049-48.4% | $3,608-42.1% |
| Admin fee / account holder | $645 | $5,055-87.2% | $7,491-91.4% | $5,124-87.4% |