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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 | $63,447 | $80,992-21.7% | $96,534-34.3% | $75,173-15.6% |
| Participation rate | 47.7% | 71.8%-24.1pp | 76.0%-28.3pp | 67.2%-19.5pp |
| Annual return | 14.55% | 27.05%-12.5pp | 25.88%-11.3pp | 160.72%-146.2pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,249 | $3,929-42.8% | $4,851-53.6% | $4,126-45.5% |
| Admin fee / account holder | $1,286 | $6,717-80.9% | $8,253-84.4% | $5,651-77.2% |