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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 | $29,263 | $77,574-62.3% | $108,753-73.1% | $86,983-66.4% |
| Participation rate | 35.1% | 62.3%-27.2pp | 71.1%-36.0pp | 69.5%-34.5pp |
| Annual return | 12.55% | 18.42%-5.9pp | 37.47%-24.9pp | 25.83%-13.3pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,488 | $3,128-20.5% | $4,115-39.5% | $4,194-40.7% |
| Admin fee / account holder | $864 | $6,529-86.8% | $10,320-91.6% | $7,856-89.0% |