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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 | $40,950 | $56,121-27.0% | $92,985-56.0% | $64,340-36.4% |
| Participation rate | 15.9% | 44.9%-29.0pp | 69.5%-53.6pp | 55.2%-39.3pp |
| Annual return | 15.09% | 19.19%-4.1pp | 27.99%-12.9pp | 24.14%-9.0pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,662-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,958 | $2,362-17.1% | $4,377-55.3% | $2,980-34.3% |
| Admin fee / account holder | $7,013 | $6,869+2.1% | $9,463-25.9% | $3,703+89.4% |