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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 | $27,724 | $57,140-51.5% | $85,240-67.5% | $80,959-65.8% |
| Participation rate | 39.3% | 56.4%-17.1pp | 67.5%-28.2pp | 67.7%-28.4pp |
| Annual return | 14.09% | 21.71%-7.6pp | 66.75%-52.7pp | 35.67%-21.6pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,881 | $3,115+24.6% | $4,527-14.3% | $4,300-9.8% |
| Admin fee / account holder | $491 | $4,992-90.2% | $6,165-92.0% | $6,925-92.9% |