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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 | $39,526 | $77,574-49.0% | $108,753-63.7% | $86,983-54.6% |
| Participation rate | 37.5% | 62.3%-24.8pp | 71.1%-33.6pp | 69.5%-32.0pp |
| Annual return | 12.37% | 18.42%-6.0pp | 37.47%-25.1pp | 25.83%-13.5pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,003 | $3,128-4.0% | $4,115-27.0% | $4,194-28.4% |
| Admin fee / account holder | $2,571 | $6,529-60.6% | $10,320-75.1% | $7,856-67.3% |