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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 | $55,100 | $72,272-23.8% | $101,264-45.6% | $79,858-31.0% |
| Participation rate | 20.3% | 68.5%-48.2pp | 75.8%-55.6pp | 69.6%-49.4pp |
| Annual return | 14.72% | 22.30%-7.6pp | 46.48%-31.8pp | 31.72%-17.0pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,729 | $3,282-47.3% | $4,370-60.4% | $3,740-53.8% |
| Admin fee / account holder | $2,916 | $4,401-33.7% | $5,947-51.0% | $5,306-45.0% |