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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 | $34,616 | $57,061-39.3% | $85,063-59.3% | $80,911-57.2% |
| Participation rate | 28.9% | 56.3%-27.4pp | 67.5%-38.6pp | 67.6%-38.7pp |
| Annual return | 14.94% | 21.66%-6.7pp | 66.54%-51.6pp | 35.63%-20.7pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,727-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,364 | $3,110+8.2% | $4,523-25.6% | $4,297-21.7% |
| Admin fee / account holder | $3,061 | $4,986-38.6% | $6,155-50.3% | $6,935-55.9% |