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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 | $32,275 | $56,287-42.7% | $80,977-60.1% | $62,881-48.7% |
| Participation rate | 45.5% | 68.9%-23.5pp | 75.8%-30.4pp | 69.3%-23.9pp |
| Annual return | 7.76% | 22.13%-14.4pp | 17.11%-9.3pp | 20.14%-12.4pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,103 | $4,196-26.0% | $5,696-45.5% | $3,203-3.1% |
| Admin fee / account holder | $849 | $3,742-77.3% | $5,517-84.6% | $4,296-80.2% |