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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 | $53,404 | $62,672-14.8% | $185,117-71.2% | $70,126-23.8% |
| Participation rate | 40.7% | 63.8%-23.1pp | 77.3%-36.6pp | 69.5%-28.9pp |
| Annual return | 15.86% | 40.79%-24.9pp | 40.50%-24.6pp | 73.15%-57.3pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,197 | $3,272-63.4% | $5,045-76.3% | $3,332-64.1% |
| Admin fee / account holder | $3,683 | $3,932-6.3% | $8,159-54.9% | $4,645-20.7% |