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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 | $58,848-4.4% | $88,179-36.2% | $82,637-31.9% |
| Participation rate | 43.1% | 57.9%-14.8pp | 69.1%-26.1pp | 68.1%-25.0pp |
| Annual return | 15.46% | 22.76%-7.3pp | 64.97%-49.5pp | 53.51%-38.0pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,434 | $3,124+9.9% | $4,614-25.6% | $4,126-16.8% |
| Admin fee / account holder | $1,694 | $4,795-64.7% | $7,673-77.9% | $7,339-76.9% |