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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 | $44,185 | $58,851-24.9% | $115,170-61.6% | $72,975-39.5% |
| Participation rate | 62.8% | 65.5%-2.8pp | 75.9%-13.1pp | 69.5%-6.7pp |
| Annual return | 22.78% | 23.16%-0.4pp | 35.60%-12.8pp | 81.01%-58.2pp |
| Employer contribution / active EE | $0 | $1,798-100.0% | $3,179-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,743 | $2,643+3.8% | $4,169-34.2% | $3,608-24.0% |
| Admin fee / account holder | $2,006 | $6,370-68.5% | $7,089-71.7% | $5,124-60.8% |