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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 | $36,198-1.2% | $94,215-62.1% | $65,191-45.2% |
| Participation rate | 14.0% | 43.6%-29.6pp | 70.0%-56.0pp | 63.0%-49.0pp |
| Annual return | 13.20% | 23.45%-10.3pp | 28.22%-15.0pp | 51.24%-38.0pp |
| Employer contribution / active EE | $0 | $1,189-100.0% | $2,675-100.0% | $2,400-100.0% |
| Participant deferral / active EE | $623 | $1,716-63.7% | $4,276-85.4% | $2,671-76.7% |
| Admin fee / account holder | $5,124 | $2,162+137.0% | $10,216-49.8% | $907+464.9% |