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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 | $106,864-57.2% | $147,318-68.9% | $82,637-44.6% |
| Participation rate | 36.0% | 75.5%-39.5pp | 82.1%-46.1pp | 68.1%-32.1pp |
| Annual return | 18.55% | 27.49%-8.9pp | 70.43%-51.9pp | 53.51%-35.0pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $8,102 | $6,496+24.7% | $7,906+2.5% | $4,126+96.4% |
| Admin fee / account holder | $5,442 | $8,415-35.3% | $13,708-60.3% | $7,339-25.8% |