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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 | $54,819 | $83,485-34.3% | $125,192-56.2% | $72,975-24.9% |
| Participation rate | 31.9% | 73.3%-41.4pp | 79.8%-47.9pp | 69.5%-37.6pp |
| Annual return | 26.49% | 25.77%+0.7pp | 43.79%-17.3pp | 81.01%-54.5pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,033 | $3,586-43.3% | $4,937-58.8% | $3,608-43.7% |
| Admin fee / account holder | $478 | $5,518-91.3% | $9,704-95.1% | $5,124-90.7% |