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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 | $55,715 | $81,487-31.6% | $102,412-45.6% | $80,935-31.2% |
| Participation rate | 45.3% | 66.8%-21.5pp | 74.5%-29.2pp | 67.7%-22.3pp |
| Annual return | 14.52% | 25.60%-11.1pp | 24.94%-10.4pp | 35.66%-21.1pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,196 | $3,871-17.4% | $5,060-36.8% | $4,299-25.7% |
| Admin fee / account holder | $5,620 | $6,717-16.3% | $8,388-33.0% | $6,924-18.8% |