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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 | $27,140 | $58,057-53.3% | $97,032-72.0% | $86,983-68.8% |
| Participation rate | 28.9% | 60.4%-31.4pp | 71.6%-42.6pp | 69.5%-40.6pp |
| Annual return | 25.97% | 22.26%+3.7pp | 35.38%-9.4pp | 25.83%+0.1pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,629-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,334 | $3,244-28.0% | $4,672-50.0% | $4,194-44.3% |
| Admin fee / account holder | $5,788 | $4,839+19.6% | $9,418-38.5% | $7,856-26.3% |