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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 | $48,356 | $54,162-10.7% | $68,612-29.5% | $64,173-24.6% |
| Participation rate | 36.4% | 68.1%-31.7pp | 72.2%-35.9pp | 69.6%-33.2pp |
| Annual return | 15.86% | -1.62%+17.5pp | -4.63%+20.5pp | 7.63%+8.2pp |
| Employer contribution / active EE | $0 | $1,846-100.0% | $2,625-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,051 | $2,626-60.0% | $3,311-68.2% | $3,470-69.7% |
| Admin fee / account holder | $377 | $4,029-90.6% | $5,131-92.7% | $4,887-92.3% |