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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 | $53,798 | $49,025+9.7% | $87,502-38.5% | $62,881-14.4% |
| Participation rate | 44.1% | 64.9%-20.8pp | 73.8%-29.7pp | 69.3%-25.2pp |
| Annual return | 4.85% | 10.02%-5.2pp | 12.21%-7.4pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,385 | $2,289+4.2% | $3,149-24.2% | $3,203-25.5% |
| Admin fee / account holder | $12,858 | $4,065+216.3% | $4,221+204.6% | $4,296+199.3% |