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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 | $14,310 | $44,746-68.0% | $88,179-83.8% | $64,097-77.7% |
| Participation rate | 25.7% | 39.8%-14.1pp | 69.1%-43.5pp | 55.2%-29.5pp |
| Annual return | 36.01% | 24.70%+11.3pp | 64.97%-29.0pp | 34.64%+1.4pp |
| Employer contribution / active EE | $0 | $1,078-100.0% | $2,549-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,673 | $2,072+29.0% | $4,614-42.1% | $3,080-13.2% |
| Admin fee / account holder | $4,875 | $3,437+41.8% | $7,673-36.5% | $3,454+41.1% |