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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 | $49,652 | $76,407-35.0% | $150,298-67.0% | $82,448-39.8% |
| Participation rate | 38.2% | 66.4%-28.2pp | 77.8%-39.6pp | 68.1%-29.9pp |
| Annual return | 17.40% | 39.99%-22.6pp | 62.79%-45.4pp | 41.64%-24.2pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,276 | $3,214-60.3% | $5,453-76.6% | $4,139-69.2% |
| Admin fee / account holder | $1,513 | $6,352-76.2% | $14,116-89.3% | $7,234-79.1% |