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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 | $72,767 | $90,400-19.5% | $186,193-60.9% | $87,485-16.8% |
| Participation rate | 25.9% | 66.2%-40.3pp | 77.1%-51.2pp | 68.9%-43.0pp |
| Annual return | 16.84% | 22.15%-5.3pp | 78.03%-61.2pp | 26.06%-9.2pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,207 | $4,330-49.0% | $6,513-66.1% | $4,274-48.3% |
| Admin fee / account holder | $330 | $8,673-96.2% | $11,058-97.0% | $7,775-95.8% |