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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 | $41,460 | $81,487-49.1% | $102,412-59.5% | $80,935-48.8% |
| Participation rate | 48.3% | 66.8%-18.6pp | 74.5%-26.2pp | 67.7%-19.4pp |
| Annual return | 15.22% | 25.60%-10.4pp | 24.94%-9.7pp | 35.66%-20.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,485 | $3,871-10.0% | $5,060-31.1% | $4,299-18.9% |
| Admin fee / account holder | $5,658 | $6,717-15.8% | $8,388-32.5% | $6,924-18.3% |