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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 | $36,739 | $49,791-26.2% | $78,210-53.0% | $70,126-47.6% |
| Participation rate | 53.1% | 62.3%-9.2pp | 68.7%-15.6pp | 69.5%-16.4pp |
| Annual return | 16.02% | 20.75%-4.7pp | 40.90%-24.9pp | 73.15%-57.1pp |
| Employer contribution / active EE | $0 | $1,430-100.0% | $2,034-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $956 | $2,150-55.6% | $2,823-66.1% | $3,332-71.3% |
| Admin fee / account holder | $2,264 | $3,181-28.8% | $3,758-39.8% | $4,645-51.3% |