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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 | $33,285 | $48,050-30.7% | $96,754-65.6% | $64,340-48.3% |
| Participation rate | 60.1% | 40.6%+19.6pp | 70.3%-10.1pp | 55.2%+4.9pp |
| Annual return | 19.83% | 23.41%-3.6pp | 82.04%-62.2pp | 24.14%-4.3pp |
| Employer contribution / active EE | $0 | $1,204-100.0% | $2,679-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $4,745 | $2,191+116.6% | $4,758-0.3% | $2,980+59.2% |
| Admin fee / account holder | $1,198 | $3,741-68.0% | $8,905-86.6% | $3,703-67.7% |