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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 | $48,596 | $91,179-46.7% | $178,499-72.8% | $79,852-39.1% |
| Participation rate | 23.8% | 69.2%-45.4pp | 81.9%-58.1pp | 69.6%-45.8pp |
| Annual return | 16.04% | 24.19%-8.2pp | 151.10%-135.1pp | 31.72%-15.7pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,573 | $3,236-51.4% | $5,202-69.8% | $3,740-58.0% |
| Admin fee / account holder | $6,705 | $6,749-0.6% | $13,986-52.1% | $5,306+26.4% |