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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 | $40,543 | $86,050-52.9% | $189,758-78.6% | $94,015-56.9% |
| Participation rate | 40.0% | 68.9%-28.9pp | 79.8%-39.8pp | 70.8%-30.8pp |
| Annual return | 18.42% | 17.77%+0.7pp | 52.62%-34.2pp | 17.84%+0.6pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,838 | $3,349-45.1% | $5,856-68.6% | $4,249-56.7% |
| Admin fee / account holder | $1,880 | $6,627-71.6% | $20,388-90.8% | $8,951-79.0% |