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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 | $7,729 | $36,140-78.6% | $73,658-89.5% | $64,340-88.0% |
| Participation rate | 45.5% | 31.0%+14.4pp | 57.0%-11.6pp | 55.2%-9.8pp |
| Annual return | 18.65% | 21.48%-2.8pp | 29.72%-11.1pp | 24.14%-5.5pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,225 | $1,023+19.8% | $2,062-40.6% | $2,980-58.9% |
| Admin fee / account holder | $1,042 | $2,513-58.5% | $3,357-69.0% | $3,703-71.9% |