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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 | $27,823 | $32,037-13.2% | $69,182-59.8% | $62,881-55.8% |
| Participation rate | 57.1% | 43.4%+13.7pp | 55.1%+2.0pp | 69.3%-12.2pp |
| Annual return | 9.54% | 15.16%-5.6pp | -21.93%+31.5pp | 20.14%-10.6pp |
| Employer contribution / active EE | $0 | $679-100.0% | $1,206-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,189 | $1,185+169.0% | $1,897+68.1% | $3,203-0.4% |
| Admin fee / account holder | $3,700 | $2,608+41.9% | $2,697+37.2% | $4,296-13.9% |