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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 | $39,855 | $97,550-59.1% | $120,344-66.9% | $87,485-54.4% |
| Participation rate | 46.9% | 72.8%-26.0pp | 76.7%-29.8pp | 68.9%-22.1pp |
| Annual return | 13.67% | 18.41%-4.7pp | 20.30%-6.6pp | 26.06%-12.4pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,294 | $4,230-22.1% | $5,135-35.8% | $4,274-22.9% |
| Admin fee / account holder | $6,873 | $9,543-28.0% | $12,742-46.1% | $7,775-11.6% |