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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 | $57,731 | $49,138+17.5% | $84,021-31.3% | $65,185-11.4% |
| Participation rate | 32.1% | 60.7%-28.6pp | 69.0%-36.9pp | 70.2%-38.1pp |
| Annual return | 20.85% | 23.00%-2.2pp | 71.32%-50.5pp | 29.38%-8.5pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,375 | $2,397-42.6% | $3,239-57.5% | $3,514-60.9% |
| Admin fee / account holder | $989 | $543+82.0% | $6,102-83.8% | $847+16.7% |