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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 | $48,490 | $63,354-23.5% | $94,105-48.5% | $82,637-41.3% |
| Participation rate | 41.9% | 63.8%-21.9pp | 71.9%-30.0pp | 68.1%-26.1pp |
| Annual return | 17.01% | 34.36%-17.3pp | 204.55%-187.5pp | 53.51%-36.5pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $2,504-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,166 | $2,873-24.6% | $3,881-44.2% | $4,126-47.5% |
| Admin fee / account holder | $1,926 | $5,073-62.0% | $6,199-68.9% | $7,339-73.8% |