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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 | $37,884 | $45,312-16.4% | $86,233-56.1% | $67,986-44.3% |
| Participation rate | 24.8% | 42.4%-17.7pp | 69.0%-44.2pp | 57.2%-32.4pp |
| Annual return | 15.48% | 24.79%-9.3pp | 61.39%-45.9pp | 31.67%-16.2pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,091 | $2,185-50.1% | $4,559-76.1% | $3,358-67.5% |
| Admin fee / account holder | $730 | $3,295-77.8% | $8,342-91.2% | $3,203-77.2% |