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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 | $32,370 | $46,596-30.5% | $64,099-49.5% | $75,181-56.9% |
| Participation rate | 62.5% | 65.9%-3.4pp | 72.3%-9.8pp | 67.2%-4.7pp |
| Annual return | 24.42% | 26.04%-1.6pp | 33.70%-9.3pp | 160.69%-136.3pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,960 | $2,837-30.9% | $3,881-49.5% | $4,126-52.5% |
| Admin fee / account holder | $3,469 | $2,954+17.4% | $3,070+13.0% | $5,650-38.6% |