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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 | $17,073 | $43,496-60.7% | $161,489-89.4% | $64,340-73.5% |
| Participation rate | 61.2% | 53.5%+7.6pp | 78.7%-17.5pp | 55.2%+5.9pp |
| Annual return | 16.23% | 20.76%-4.5pp | 89.72%-73.5pp | 24.14%-7.9pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,761 | $1,996-11.8% | $5,630-68.7% | $2,980-40.9% |
| Admin fee / account holder | $1,544 | $2,330-33.8% | $16,006-90.4% | $3,703-58.3% |