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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 | $48,977 | $65,034-24.7% | $90,970-46.2% | $79,856-38.7% |
| Participation rate | 42.4% | 61.6%-19.2pp | 69.0%-26.6pp | 69.6%-27.3pp |
| Annual return | 21.68% | 30.45%-8.8pp | 134.60%-112.9pp | 31.71%-10.0pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,174 | $2,512-13.4% | $3,373-35.5% | $3,741-41.9% |
| Admin fee / account holder | $1,243 | $4,536-72.6% | $5,961-79.1% | $5,306-76.6% |