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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 | $44,280 | $77,460-42.8% | $100,378-55.9% | $80,925-45.3% |
| Participation rate | 53.3% | 76.9%-23.6pp | 81.5%-28.2pp | 67.7%-14.3pp |
| Annual return | 12.40% | 37.24%-24.8pp | 49.41%-37.0pp | 35.65%-23.3pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,942-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $8,950 | $6,818+31.3% | $8,087+10.7% | $4,299+108.2% |
| Admin fee / account holder | $4,310 | $5,887-26.8% | $7,899-45.4% | $6,940-37.9% |