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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 | $67,894-63.1% | $89,340-72.0% | $82,448-69.6% |
| Participation rate | 55.0% | 64.0%-9.0pp | 69.6%-14.6pp | 68.1%-13.1pp |
| Annual return | 19.52% | 19.21%+0.3pp | 20.57%-1.1pp | 41.64%-22.1pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,197 | $3,072-28.5% | $3,823-42.5% | $4,139-46.9% |
| Admin fee / account holder | $394 | $5,723-93.1% | $6,704-94.1% | $7,234-94.6% |