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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 | $68,607-22.1% | $147,027-63.7% | $64,340-17.0% |
| Participation rate | 23.9% | 50.4%-26.5pp | 73.7%-49.8pp | 55.2%-31.3pp |
| Annual return | 10.52% | 13.75%-3.2pp | 20.23%-9.7pp | 24.14%-13.6pp |
| Employer contribution / active EE | $0 | $1,554-100.0% | $3,626-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,164 | $2,402-51.5% | $4,933-76.4% | $2,980-60.9% |
| Admin fee / account holder | $6,293 | $3,287+91.4% | $12,223-48.5% | $3,703+70.0% |