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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 | $38,031 | $45,126-15.7% | $85,187-55.4% | $74,459-48.9% |
| Participation rate | 36.3% | 49.4%-13.1pp | 67.5%-31.2pp | 67.2%-30.9pp |
| Annual return | 13.10% | 26.30%-13.2pp | 66.67%-53.6pp | 1369.70%-1356.6pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,105 | $2,738-59.6% | $4,525-75.6% | $4,350-74.6% |
| Admin fee / account holder | $501 | $2,212-77.4% | $6,162-91.9% | $1,945-74.3% |