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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 | $48,116 | $67,602-28.8% | $82,312-41.5% | $70,126-31.4% |
| Participation rate | 30.2% | 72.8%-42.6pp | 76.9%-46.7pp | 69.5%-39.4pp |
| Annual return | 17.29% | 21.57%-4.3pp | 25.88%-8.6pp | 73.15%-55.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,339 | $2,987-21.7% | $3,706-36.9% | $3,332-29.8% |
| Admin fee / account holder | $564 | $4,512-87.5% | $5,608-90.0% | $4,645-87.9% |