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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 | $62,558 | $71,523-12.5% | $98,461-36.5% | $71,511-12.5% |
| Participation rate | 28.8% | 72.7%-43.9pp | 75.2%-46.4pp | 67.9%-39.2pp |
| Annual return | 14.35% | 32.43%-18.1pp | 21.17%-6.8pp | 28.86%-14.5pp |
| Employer contribution / active EE | $0 | $2,399-100.0% | $3,049-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,263 | $4,109-44.9% | $4,738-52.2% | $4,291-47.3% |
| Admin fee / account holder | $10,579 | $1,676+531.3% | $8,961+18.1% | $1,588+566.0% |