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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 | $40,950 | $55,932-26.8% | $76,735-46.6% | $67,986-39.8% |
| Participation rate | 15.9% | 50.8%-34.9pp | 69.5%-53.6pp | 57.2%-41.3pp |
| Annual return | 15.09% | 23.10%-8.0pp | 29.77%-14.7pp | 31.67%-16.6pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,958 | $2,558-23.5% | $4,088-52.1% | $3,358-41.7% |
| Admin fee / account holder | $7,013 | $4,907+42.9% | $7,189-2.4% | $3,203+118.9% |