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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 | $56,243 | $57,590-2.3% | $86,233-34.8% | $82,448-31.8% |
| Participation rate | 43.1% | 57.9%-14.8pp | 69.0%-26.0pp | 68.1%-25.0pp |
| Annual return | 15.46% | 22.41%-7.0pp | 61.39%-45.9pp | 41.64%-26.2pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,434 | $3,080+11.5% | $4,559-24.7% | $4,139-17.0% |
| Admin fee / account holder | $1,694 | $4,730-64.2% | $8,342-79.7% | $7,234-76.6% |