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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 | $51,914 | $56,287-7.8% | $80,977-35.9% | $62,881-17.4% |
| Participation rate | 31.3% | 68.9%-37.7pp | 75.8%-44.6pp | 69.3%-38.1pp |
| Annual return | 12.50% | 22.13%-9.6pp | 17.11%-4.6pp | 20.14%-7.6pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,807 | $4,196-9.3% | $5,696-33.2% | $3,203+18.9% |
| Admin fee / account holder | $1,228 | $3,742-67.2% | $5,517-77.7% | $4,296-71.4% |