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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 | $35,836 | $78,520-54.4% | $96,576-62.9% | $82,448-56.5% |
| Participation rate | 34.9% | 77.7%-42.8pp | 81.4%-46.6pp | 68.1%-33.2pp |
| Annual return | 16.19% | 41.30%-25.1pp | 38.47%-22.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,294 | $6,754-36.4% | $7,956-46.0% | $4,139+3.7% |
| Admin fee / account holder | $2,239 | $13,455-83.4% | $11,381-80.3% | $7,234-69.0% |