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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 | $32,227 | $60,788-47.0% | $85,709-62.4% | $79,391-59.4% |
| Participation rate | 26.4% | 62.1%-35.7pp | 69.9%-43.4pp | 70.7%-44.3pp |
| Annual return | 15.88% | 16.57%-0.7pp | 21.49%-5.6pp | 116.88%-101.0pp |
| Employer contribution / active EE | $0 | $1,664-100.0% | $2,619-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,722 | $2,920-41.0% | $3,924-56.1% | $4,046-57.4% |
| Admin fee / account holder | $1,381 | $439+214.6% | $6,876-79.9% | $627+120.4% |