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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 | $46,199 | $109,620-57.9% | $148,496-68.9% | $94,015-50.9% |
| Participation rate | 43.2% | 71.3%-28.0pp | 76.0%-32.8pp | 70.8%-27.6pp |
| Annual return | 11.48% | 17.54%-6.1pp | 12.33%-0.8pp | 17.84%-6.4pp |
| Employer contribution / active EE | $0 | $2,618-100.0% | $3,497-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,478 | $3,831-35.3% | $4,808-48.5% | $4,249-41.7% |
| Admin fee / account holder | $2,626 | $10,050-73.9% | $19,547-86.6% | $8,951-70.7% |