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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 | $36,844-79.0% | $83,854-90.8% | $65,306-88.2% |
| Participation rate | 45.5% | 29.2%+16.2pp | 59.1%-13.7pp | 57.7%-12.2pp |
| Annual return | 18.65% | 22.28%-3.6pp | 31.39%-12.7pp | 21.94%-3.3pp |
| Employer contribution / active EE | $0 | $415-100.0% | $1,017-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,225 | $1,040+17.8% | $2,035-39.8% | $2,959-58.6% |
| Admin fee / account holder | $1,042 | $2,546-59.1% | $3,197-67.4% | $3,480-70.1% |