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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 | $23,529 | $58,627-59.9% | $76,735-69.3% | $82,448-71.5% |
| Participation rate | 67.3% | 63.2%+4.1pp | 69.5%-2.2pp | 68.1%-0.7pp |
| Annual return | 15.64% | 39.10%-23.5pp | 29.77%-14.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,571 | $3,134+14.0% | $4,088-12.6% | $4,139-13.7% |
| Admin fee / account holder | $3,973 | $5,323-25.4% | $7,189-44.7% | $7,234-45.1% |