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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 | $21,596 | $39,132-44.8% | $57,196-62.2% | $62,881-65.7% |
| Participation rate | 45.7% | 70.5%-24.8pp | 75.3%-29.7pp | 69.3%-23.6pp |
| Annual return | 4.50% | 9.24%-4.7pp | 14.59%-10.1pp | 20.14%-15.6pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $763 | $2,374-67.9% | $3,096-75.4% | $3,203-76.2% |
| Admin fee / account holder | $2,068 | $2,594-20.3% | $3,141-34.1% | $4,296-51.9% |