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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 | $42,700 | $63,949-33.2% | $129,031-66.9% | $94,015-54.6% |
| Participation rate | 24.1% | 63.4%-39.3pp | 73.4%-49.2pp | 70.8%-46.7pp |
| Annual return | 15.27% | 17.56%-2.3pp | 34.67%-19.4pp | 17.84%-2.6pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,146 | $3,686-41.8% | $5,217-58.9% | $4,249-49.5% |
| Admin fee / account holder | $6,480 | $5,523+17.3% | $13,208-50.9% | $8,951-27.6% |