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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 | $45,292 | $47,944-5.5% | $67,834-33.2% | $62,881-28.0% |
| Participation rate | 40.7% | 61.1%-20.4pp | 68.8%-28.1pp | 69.3%-28.6pp |
| Annual return | 7.45% | 11.77%-4.3pp | 138.47%-131.0pp | 20.14%-12.7pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,541 | $2,247-31.4% | $3,160-51.2% | $3,203-51.9% |
| Admin fee / account holder | $5,284 | $3,712+42.4% | $4,622+14.3% | $4,296+23.0% |