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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 | $25,054 | $72,607-65.5% | $90,259-72.2% | $87,485-71.4% |
| Participation rate | 55.0% | 64.8%-9.8pp | 70.7%-15.7pp | 68.9%-13.9pp |
| Annual return | 19.52% | 18.59%+0.9pp | 18.88%+0.6pp | 26.06%-6.5pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,197 | $3,055-28.1% | $3,827-42.6% | $4,274-48.6% |
| Admin fee / account holder | $394 | $5,947-93.4% | $7,267-94.6% | $7,775-94.9% |