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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 | $53,423 | $77,094-30.7% | $173,703-69.2% | $69,733-23.4% |
| Participation rate | 23.9% | 55.7%-31.8pp | 75.9%-52.0pp | 62.5%-38.5pp |
| Annual return | 10.52% | 11.44%-0.9pp | 17.46%-6.9pp | 15.22%-4.7pp |
| Employer contribution / active EE | $0 | $1,704-100.0% | $4,288-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $1,164 | $2,355-50.6% | $4,854-76.0% | $3,054-61.9% |
| Admin fee / account holder | $6,293 | $2,291+174.7% | $15,562-59.6% | $3,102+102.9% |