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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 | $26,498 | $48,053-44.9% | $84,623-68.7% | $72,983-63.7% |
| Participation rate | 58.3% | 57.6%+0.8pp | 68.2%-9.9pp | 69.5%-11.2pp |
| Annual return | 17.96% | 37.39%-19.4pp | 258.77%-240.8pp | 81.01%-63.1pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,652-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,559 | $2,681-4.5% | $3,899-34.4% | $3,608-29.1% |
| Admin fee / account holder | $6,826 | $3,395+101.0% | $4,913+38.9% | $5,124+33.2% |