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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 | $72,635 | $81,504-10.9% | $102,437-29.1% | $80,959-10.3% |
| Participation rate | 37.0% | 66.9%-29.9pp | 74.5%-37.5pp | 67.7%-30.7pp |
| Annual return | 15.46% | 25.60%-10.1pp | 24.95%-9.5pp | 35.67%-20.2pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,099 | $3,871-45.8% | $5,060-58.5% | $4,300-51.2% |
| Admin fee / account holder | $5,650 | $6,719-15.9% | $8,388-32.6% | $6,925-18.4% |