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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 | $24,294 | $37,446-35.1% | $77,552-68.7% | $79,856-69.6% |
| Participation rate | 57.7% | 41.5%+16.2pp | 54.2%+3.5pp | 69.6%-11.9pp |
| Annual return | 12.91% | 39.76%-26.9pp | 54.82%-41.9pp | 31.71%-18.8pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,332 | $1,261+5.6% | $1,861-28.4% | $3,741-64.4% |
| Admin fee / account holder | $568 | $2,506-77.3% | $2,859-80.1% | $5,306-89.3% |