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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 | $54,804 | $78,015-29.8% | $178,505-69.3% | $80,959-32.3% |
| Participation rate | 48.9% | 65.7%-16.7pp | 77.1%-28.2pp | 67.7%-18.7pp |
| Annual return | 14.24% | 18.10%-3.9pp | 27.16%-12.9pp | 35.67%-21.4pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,551 | $4,406-19.4% | $6,280-43.5% | $4,300-17.4% |
| Admin fee / account holder | $3,244 | $7,160-54.7% | $10,428-68.9% | $6,925-53.2% |