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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 | $54,796 | $51,207+7.0% | $70,565-22.3% | $71,529-23.4% |
| Participation rate | 27.7% | 59.4%-31.7pp | 68.4%-40.7pp | 67.9%-40.2pp |
| Annual return | 16.79% | 42.71%-25.9pp | 32.79%-16.0pp | 28.97%-12.2pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $2,976-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,403 | $3,033-53.7% | $4,568-69.3% | $4,291-67.3% |
| Admin fee / account holder | $9,750 | $2,002+387.1% | $6,430+51.6% | $1,588+513.8% |