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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 | $49,818 | $78,423-36.5% | $95,964-48.1% | $79,856-37.6% |
| Participation rate | 67.7% | 73.5%-5.8pp | 77.1%-9.4pp | 69.6%-1.9pp |
| Annual return | 10.46% | 19.37%-8.9pp | 91.64%-81.2pp | 31.71%-21.3pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,317 | $3,440-3.6% | $4,167-20.4% | $3,741-11.3% |
| Admin fee / account holder | $4,528 | $5,622-19.5% | $6,797-33.4% | $5,306-14.7% |