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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 | $19,348 | $75,541-74.4% | $152,093-87.3% | $82,637-76.6% |
| Participation rate | 54.3% | 66.5%-12.2pp | 77.8%-23.4pp | 68.1%-13.7pp |
| Annual return | 23.02% | 32.56%-9.5pp | 66.36%-43.3pp | 53.51%-30.5pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,140 | $3,206-2.0% | $5,451-42.4% | $4,126-23.9% |
| Admin fee / account holder | $497 | $6,405-92.2% | $14,497-96.6% | $7,339-93.2% |