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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 | $58,907 | $49,249+19.6% | $70,476-16.4% | $79,852-26.2% |
| Participation rate | 40.5% | 69.2%-28.6pp | 75.1%-34.5pp | 69.6%-29.1pp |
| Annual return | 21.46% | 30.09%-8.6pp | 109.12%-87.7pp | 31.72%-10.3pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,085 | $2,769-60.8% | $3,710-70.7% | $3,740-71.0% |
| Admin fee / account holder | $573 | $2,878-80.1% | $3,847-85.1% | $5,306-89.2% |