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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 | $35,747 | $51,092-30.0% | $76,735-53.4% | $79,634-55.1% |
| Participation rate | 14.0% | 50.2%-36.2pp | 69.5%-55.5pp | 62.5%-48.5pp |
| Annual return | 13.20% | 18.04%-4.8pp | 29.77%-16.6pp | 36.46%-23.3pp |
| Employer contribution / active EE | $0 | $1,519-100.0% | $2,454-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $623 | $2,529-75.4% | $4,088-84.8% | $3,835-83.7% |
| Admin fee / account holder | $5,124 | $1,865+174.7% | $7,189-28.7% | $1,002+411.4% |