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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 | $82,346 | $97,550-15.6% | $120,344-31.6% | $87,485-5.9% |
| Participation rate | 48.5% | 72.8%-24.3pp | 76.7%-28.2pp | 68.9%-20.4pp |
| Annual return | 13.38% | 18.41%-5.0pp | 20.30%-6.9pp | 26.06%-12.7pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,640 | $4,230-37.6% | $5,135-48.6% | $4,274-38.2% |
| Admin fee / account holder | $1,092 | $9,543-88.6% | $12,742-91.4% | $7,775-85.9% |