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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 | $29,618 | $57,590-48.6% | $86,233-65.7% | $82,448-64.1% |
| Participation rate | 27.6% | 57.9%-30.3pp | 69.0%-41.4pp | 68.1%-40.5pp |
| Annual return | 23.25% | 22.41%+0.8pp | 61.39%-38.1pp | 41.64%-18.4pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,311 | $3,080-25.0% | $4,559-49.3% | $4,139-44.2% |
| Admin fee / account holder | $3,684 | $4,730-22.1% | $8,342-55.8% | $7,234-49.1% |