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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 | $58,021 | $56,894+2.0% | $84,753-31.5% | $62,881-7.7% |
| Participation rate | 16.7% | 68.5%-51.9pp | 76.6%-59.9pp | 69.3%-52.6pp |
| Annual return | 5.76% | 6.30%-0.5pp | 22.78%-17.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,368 | $2,709-49.5% | $3,712-63.1% | $3,203-57.3% |
| Admin fee / account holder | $714 | $3,581-80.1% | $5,333-86.6% | $4,296-83.4% |