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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 | $30,510 | $37,446-18.5% | $77,552-60.7% | $79,856-61.8% |
| Participation rate | 52.8% | 41.5%+11.3pp | 54.2%-1.4pp | 69.6%-16.8pp |
| Annual return | 11.42% | 39.76%-28.3pp | 54.82%-43.4pp | 31.71%-20.3pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,120 | $1,261-11.2% | $1,861-39.8% | $3,741-70.1% |
| Admin fee / account holder | $1,489 | $2,506-40.6% | $2,859-47.9% | $5,306-71.9% |