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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 | $54,496 | $78,425-30.5% | $95,956-43.2% | $79,858-31.8% |
| Participation rate | 44.0% | 73.5%-29.5pp | 77.1%-33.1pp | 69.6%-25.6pp |
| Annual return | 11.22% | 19.37%-8.2pp | 91.63%-80.4pp | 31.72%-20.5pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,061 | $3,440-40.1% | $4,167-50.5% | $3,740-44.9% |
| Admin fee / account holder | $4,677 | $5,622-16.8% | $6,797-31.2% | $5,306-11.9% |