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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 | $48,115 | $54,162-11.2% | $68,612-29.9% | $64,173-25.0% |
| Participation rate | 46.2% | 68.1%-21.8pp | 72.2%-26.0pp | 69.6%-23.3pp |
| Annual return | 9.32% | -1.62%+10.9pp | -4.63%+13.9pp | 7.63%+1.7pp |
| Employer contribution / active EE | $0 | $1,846-100.0% | $2,625-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,797 | $2,626-31.6% | $3,311-45.7% | $3,470-48.2% |
| Admin fee / account holder | $710 | $4,029-82.4% | $5,131-86.2% | $4,887-85.5% |