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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 | $46,635 | $46,464+0.4% | $150,298-69.0% | $79,634-41.4% |
| Participation rate | 12.0% | 57.0%-44.9pp | 77.8%-65.8pp | 62.5%-50.5pp |
| Annual return | 15.57% | 27.89%-12.3pp | 62.79%-47.2pp | 36.46%-20.9pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $564 | $2,157-73.9% | $5,453-89.7% | $3,835-85.3% |
| Admin fee / account holder | $3,153 | $891+254.0% | $14,116-77.7% | $1,002+214.7% |