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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 | $83,012 | $81,276+2.1% | $155,574-46.6% | $80,925+2.6% |
| Participation rate | 15.9% | 66.2%-50.3pp | 78.2%-62.3pp | 67.7%-51.7pp |
| Annual return | 16.58% | 33.36%-16.8pp | 64.87%-48.3pp | 35.65%-19.1pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,490 | $3,453-56.9% | $5,629-73.5% | $4,299-65.3% |
| Admin fee / account holder | $1,955 | $7,993-75.5% | $15,914-87.7% | $6,940-71.8% |