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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 | $32,282 | $91,019-64.5% | $392,568-91.8% | $72,975-55.8% |
| Participation rate | 40.5% | 74.4%-33.8pp | 78.1%-37.5pp | 69.5%-28.9pp |
| Annual return | 29.04% | 20.00%+9.0pp | 24.42%+4.6pp | 81.01%-52.0pp |
| Employer contribution / active EE | $0 | $2,751-100.0% | $3,783-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,576 | $4,570-43.6% | $5,985-57.0% | $3,608-28.6% |
| Admin fee / account holder | $1,658 | $4,895-66.1% | $6,260-73.5% | $5,124-67.6% |