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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 | $44,834 | $54,541-17.8% | $78,778-43.1% | $70,126-36.1% |
| Participation rate | 27.3% | 60.8%-33.5pp | 69.2%-41.9pp | 69.5%-42.3pp |
| Annual return | 28.04% | 21.07%+7.0pp | 35.62%-7.6pp | 73.15%-45.1pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,067 | $2,210-51.7% | $2,958-63.9% | $3,332-68.0% |
| Admin fee / account holder | $7,146 | $3,709+92.7% | $5,134+39.2% | $4,645+53.8% |