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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 | $46,963 | $57,140-17.8% | $85,240-44.9% | $80,959-42.0% |
| Participation rate | 36.4% | 56.4%-20.0pp | 67.5%-31.2pp | 67.7%-31.3pp |
| Annual return | 17.78% | 21.71%-3.9pp | 66.75%-49.0pp | 35.67%-17.9pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,354 | $3,115+7.7% | $4,527-25.9% | $4,300-22.0% |
| Admin fee / account holder | $736 | $4,992-85.3% | $6,165-88.1% | $6,925-89.4% |