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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 | $62,284 | $54,368+14.6% | $117,039-46.8% | $62,2930% |
| Participation rate | 35.8% | 64.9%-29.2pp | 77.2%-41.4pp | 69.5%-33.7pp |
| Annual return | 17.24% | 21.77%-4.5pp | 18.95%-1.7pp | 28.90%-11.7pp |
| Employer contribution / active EE | $0 | $1,692-100.0% | $3,785-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,219 | $2,269-46.3% | $3,929-69.0% | $3,169-61.5% |
| Admin fee / account holder | $2,003 | $493+305.9% | $5,974-66.5% | $479+317.8% |