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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 | $42,644 | $86,940-50.9% | $102,434-58.4% | $80,935-47.3% |
| Participation rate | 39.3% | 72.4%-33.1pp | 76.5%-37.2pp | 67.7%-28.4pp |
| Annual return | 11.13% | 18.89%-7.8pp | 29.46%-18.3pp | 35.66%-24.5pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,164 | $4,121-47.5% | $5,055-57.2% | $4,299-49.7% |
| Admin fee / account holder | $2,635 | $8,047-67.3% | $9,462-72.2% | $6,924-61.9% |