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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 | $37,661 | $71,873-47.6% | $86,698-56.6% | $68,490-45.0% |
| Participation rate | 68.3% | 72.2%-4.0pp | 76.6%-8.3pp | 67.9%+0.4pp |
| Annual return | 1.67% | 3.54%-1.9pp | 35.96%-34.3pp | -7.85%+9.5pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,043 | $3,779-45.9% | $4,656-56.1% | $4,028-49.3% |
| Admin fee / account holder | $4,806 | $6,110-21.3% | $7,492-35.9% | $5,403-11.0% |