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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 | $58,363 | $38,969+49.8% | $109,313-46.6% | $55,167+5.8% |
| Participation rate | 48.0% | 58.2%-10.2pp | 71.3%-23.2pp | 69.0%-21.0pp |
| Annual return | 6.80% | 8.26%-1.5pp | 22.07%-15.3pp | 169.23%-162.4pp |
| Employer contribution / active EE | $0 | $1,227-100.0% | $3,892-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,535 | $2,176-29.4% | $3,166-51.5% | $3,054-49.7% |
| Admin fee / account holder | $2,296 | $501+358.1% | $5,666-59.5% | $504+355.5% |