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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 | $38,133 | $63,355-39.8% | $91,994-58.5% | $72,983-47.8% |
| Participation rate | 41.1% | 72.5%-31.4pp | 78.6%-37.5pp | 69.5%-28.4pp |
| Annual return | 28.76% | 35.35%-6.6pp | 69.03%-40.3pp | 81.01%-52.2pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,452-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,887 | $4,883-40.9% | $5,923-51.3% | $3,608-20.0% |
| Admin fee / account holder | $7,177 | $4,668+53.7% | $7,743-7.3% | $5,124+40.1% |