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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 | $47,813 | $75,058-36.3% | $152,301-68.6% | $64,340-25.7% |
| Participation rate | 20.5% | 60.9%-40.4pp | 82.4%-61.9pp | 55.2%-34.7pp |
| Annual return | 17.18% | 29.93%-12.7pp | 80.50%-63.3pp | 24.14%-7.0pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,602 | $5,041-68.2% | $8,004-80.0% | $2,980-46.3% |
| Admin fee / account holder | $3,569 | $4,050-11.9% | $14,398-75.2% | $3,703-3.6% |