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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 | $60,900 | $69,444-12.3% | $92,985-34.5% | $87,485-30.4% |
| Participation rate | 33.3% | 63.3%-30.0pp | 69.5%-36.2pp | 68.9%-35.6pp |
| Annual return | 12.85% | 23.85%-11.0pp | 27.99%-15.1pp | 26.06%-13.2pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,621 | $3,364-22.1% | $4,377-40.1% | $4,274-38.7% |
| Admin fee / account holder | $7,665 | $6,137+24.9% | $9,463-19.0% | $7,775-1.4% |