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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 | $62,242-34.2% | $105,582-61.2% | $69,733-41.3% |
| Participation rate | 15.9% | 47.3%-31.4pp | 71.8%-55.9pp | 62.5%-46.5pp |
| Annual return | 15.09% | 15.40%-0.3pp | 18.61%-3.5pp | 15.22%-0.1pp |
| Employer contribution / active EE | $0 | $1,558-100.0% | $2,984-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $1,958 | $2,462-20.5% | $4,353-55.0% | $3,054-35.9% |
| Admin fee / account holder | $7,013 | $4,615+52.0% | $12,856-45.4% | $3,102+126.1% |