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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 | $52,313 | $50,972+2.6% | $88,632-41.0% | $72,976-28.3% |
| Participation rate | 43.1% | 63.4%-20.3pp | 68.8%-25.7pp | 69.5%-26.4pp |
| Annual return | 20.39% | 29.62%-9.2pp | 43.75%-23.4pp | 81.02%-60.6pp |
| Employer contribution / active EE | $0 | $1,475-100.0% | $2,101-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,031 | $2,230-53.8% | $2,917-64.6% | $3,608-71.4% |
| Admin fee / account holder | $1,580 | $3,230-51.1% | $4,308-63.3% | $5,124-69.2% |