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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 | $46,536 | $57,140-18.6% | $85,240-45.4% | $80,959-42.5% |
| Participation rate | 42.9% | 56.4%-13.6pp | 67.5%-24.7pp | 67.7%-24.8pp |
| Annual return | 39.29% | 21.71%+17.6pp | 66.75%-27.5pp | 35.67%+3.6pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,121 | $3,115+0.2% | $4,527-31.1% | $4,300-27.4% |
| Admin fee / account holder | $4,307 | $4,992-13.7% | $6,165-30.1% | $6,925-37.8% |