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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 | $39,203 | $69,977-44.0% | $108,582-63.9% | $62,881-37.7% |
| Participation rate | 62.7% | 72.9%-10.2pp | 79.6%-16.8pp | 69.3%-6.6pp |
| Annual return | 5.41% | 10.73%-5.3pp | -51.70%+57.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,460 | $3,165+9.3% | $4,311-19.7% | $3,203+8.0% |
| Admin fee / account holder | $2,552 | $5,076-49.7% | $7,645-66.6% | $4,296-40.6% |