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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 | $55,915 | $106,524-47.5% | $152,301-63.3% | $87,485-36.1% |
| Participation rate | 54.2% | 75.8%-21.6pp | 82.4%-28.3pp | 68.9%-14.8pp |
| Annual return | 28.62% | 26.89%+1.7pp | 80.50%-51.9pp | 26.06%+2.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,556 | $6,525-45.5% | $8,004-55.6% | $4,274-16.8% |
| Admin fee / account holder | $713 | $8,287-91.4% | $14,398-95.0% | $7,775-90.8% |