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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 | $43,216 | $105,623-59.1% | $87,502-50.6% | $273,972-84.2% |
| Participation rate | 45.0% | 78.2%-33.2pp | 73.8%-28.8pp | 83.0%-38.0pp |
| Annual return | 5.35% | 12.26%-6.9pp | 12.21%-6.9pp | 41.46%-36.1pp |
| Employer contribution / active EE | $0 | $3,141-100.0% | $2,550-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,010 | $3,601-72.0% | $3,149-67.9% | $5,287-80.9% |
| Admin fee / account holder | $2,618 | $4,781-45.2% | $4,221-38.0% | $10,133-74.2% |