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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 | $37,782 | $86,050-56.1% | $189,758-80.1% | $94,015-59.8% |
| Participation rate | 48.1% | 68.9%-20.8pp | 79.8%-31.6pp | 70.8%-22.7pp |
| Annual return | 18.51% | 17.77%+0.7pp | 52.62%-34.1pp | 17.84%+0.7pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $3,401 | $3,349+1.6% | $5,856-41.9% | $4,249-20.0% |
| Admin fee / account holder | $3,659 | $6,627-44.8% | $20,388-82.1% | $8,951-59.1% |