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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 | $45,768 | $106,524-57.0% | $152,301-69.9% | $87,485-47.7% |
| Participation rate | 36.0% | 75.8%-39.8pp | 82.4%-46.4pp | 68.9%-32.9pp |
| Annual return | 18.55% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.5pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $8,102 | $6,525+24.2% | $8,004+1.2% | $4,274+89.6% |
| Admin fee / account holder | $5,442 | $8,287-34.3% | $14,398-62.2% | $7,775-30.0% |