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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 | $26,757 | $57,590-53.5% | $86,233-69.0% | $82,448-67.5% |
| Participation rate | 36.4% | 57.9%-21.5pp | 69.0%-32.7pp | 68.1%-31.7pp |
| Annual return | 19.07% | 22.41%-3.3pp | 61.39%-42.3pp | 41.64%-22.6pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,666 | $3,080-13.4% | $4,559-41.5% | $4,139-35.6% |
| Admin fee / account holder | $896 | $4,730-81.1% | $8,342-89.3% | $7,234-87.6% |