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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 | $43,107 | $90,400-52.3% | $186,193-76.8% | $87,485-50.7% |
| Participation rate | 56.4% | 66.2%-9.8pp | 77.1%-20.7pp | 68.9%-12.6pp |
| Annual return | 14.97% | 22.15%-7.2pp | 78.03%-63.1pp | 26.06%-11.1pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,922 | $4,330-55.6% | $6,513-70.5% | $4,274-55.0% |
| Admin fee / account holder | $1,117 | $8,673-87.1% | $11,058-89.9% | $7,775-85.6% |