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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 | $61,342 | $70,002-12.4% | $115,038-46.7% | $52,331+17.2% |
| Participation rate | 28.5% | 72.1%-43.6pp | 81.4%-52.9pp | 68.1%-39.6pp |
| Annual return | 3.89% | 4.04%-0.1pp | 26.14%-22.2pp | 4.54%-0.6pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,686 | $4,920-45.4% | $6,026-55.4% | $3,022-11.1% |
| Admin fee / account holder | $3,396 | $566+500.0% | $8,175-58.5% | $592+474.1% |