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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 | $63,568 | $97,550-34.8% | $120,344-47.2% | $87,485-27.3% |
| Participation rate | 47.0% | 72.8%-25.9pp | 76.7%-29.7pp | 68.9%-22.0pp |
| Annual return | 21.24% | 18.41%+2.8pp | 20.30%+0.9pp | 26.06%-4.8pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,519 | $4,230-40.4% | $5,135-50.9% | $4,274-41.1% |
| Admin fee / account holder | $1,694 | $9,543-82.2% | $12,742-86.7% | $7,775-78.2% |