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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 | $60,442-29.4% | $96,754-55.9% | $87,485-51.2% |
| Participation rate | 24.1% | 58.7%-34.6pp | 70.3%-46.1pp | 68.9%-44.8pp |
| Annual return | 15.27% | 21.97%-6.7pp | 82.04%-66.8pp | 26.06%-10.8pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,146 | $3,280-34.6% | $4,758-54.9% | $4,274-49.8% |
| Admin fee / account holder | $6,480 | $5,069+27.8% | $8,905-27.2% | $7,775-16.7% |