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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 | $42,523 | $46,599-8.7% | $64,101-33.7% | $75,173-43.4% |
| Participation rate | 39.2% | 65.9%-26.7pp | 72.3%-33.1pp | 67.2%-28.0pp |
| Annual return | 17.59% | 26.06%-8.5pp | 33.72%-16.1pp | 160.72%-143.1pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,495 | $2,837-12.0% | $3,881-35.7% | $4,126-39.5% |
| Admin fee / account holder | $3,555 | $2,956+20.3% | $3,070+15.8% | $5,651-37.1% |