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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 | $11,624 | $46,596-75.1% | $64,099-81.9% | $75,181-84.5% |
| Participation rate | 68.5% | 65.9%+2.6pp | 72.3%-3.8pp | 67.2%+1.3pp |
| Annual return | 12.04% | 26.04%-14.0pp | 33.70%-21.7pp | 160.69%-148.6pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,901 | $2,837-33.0% | $3,881-51.0% | $4,126-53.9% |
| Admin fee / account holder | $2,016 | $2,954-31.8% | $3,070-34.4% | $5,650-64.3% |