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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 | $8,711 | $25,014-65.2% | $69,623-87.5% | $80,935-89.2% |
| Participation rate | 46.7% | 64.2%-17.5pp | 66.4%-19.8pp | 67.7%-21.0pp |
| Annual return | 13.86% | 19.08%-5.2pp | 101.23%-87.4pp | 35.66%-21.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,788 | $1,840+160.3% | $2,890+65.7% | $4,299+11.4% |
| Admin fee / account holder | $2,449 | $2,491-1.7% | $4,696-47.8% | $6,924-64.6% |