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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 | $42,118 | $106,864-60.6% | $147,318-71.4% | $82,637-49.0% |
| Participation rate | 43.9% | 75.5%-31.6pp | 82.1%-38.2pp | 68.1%-24.2pp |
| Annual return | 27.98% | 27.49%+0.5pp | 70.43%-42.4pp | 53.51%-25.5pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,821 | $6,496-25.8% | $7,906-39.0% | $4,126+16.8% |
| Admin fee / account holder | $1,975 | $8,415-76.5% | $13,708-85.6% | $7,339-73.1% |