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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 | $43,209 | $87,132-50.4% | $105,624-59.1% | $80,959-46.6% |
| Participation rate | 48.2% | 70.4%-22.2pp | 75.3%-27.0pp | 67.7%-19.4pp |
| Annual return | 12.23% | 17.03%-4.8pp | 116.20%-104.0pp | 35.67%-23.4pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,512 | $3,985-37.0% | $5,013-49.9% | $4,300-41.6% |
| Admin fee / account holder | $2,803 | $8,449-66.8% | $10,961-74.4% | $6,925-59.5% |