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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 | $54,242 | $87,059-37.7% | $105,608-48.6% | $80,925-33.0% |
| Participation rate | 40.0% | 70.4%-30.4pp | 75.3%-35.3pp | 67.7%-27.7pp |
| Annual return | 22.82% | 17.05%+5.8pp | 116.50%-93.7pp | 35.65%-12.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,048 | $3,986-23.5% | $5,010-39.2% | $4,299-29.1% |
| Admin fee / account holder | $4,354 | $8,443-48.4% | $11,028-60.5% | $6,940-37.3% |