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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 | $45,537 | $37,446+21.6% | $77,513-41.3% | $79,852-43.0% |
| Participation rate | 17.2% | 41.5%-24.3pp | 54.2%-37.0pp | 69.6%-52.4pp |
| Annual return | 13.15% | 39.76%-26.6pp | 54.81%-41.7pp | 31.72%-18.6pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,316 | $1,261+4.4% | $1,861-29.3% | $3,740-64.8% |
| Admin fee / account holder | $471 | $2,506-81.2% | $2,859-83.5% | $5,306-91.1% |