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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 | $44,948 | $58,895-23.7% | $178,503-74.8% | $73,497-38.8% |
| Participation rate | 38.7% | 66.2%-27.5pp | 81.9%-43.3pp | 70.7%-32.0pp |
| Annual return | 14.38% | 24.86%-10.5pp | 151.12%-136.7pp | 28.51%-14.1pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,002 | $2,567-61.0% | $5,202-80.7% | $3,740-73.2% |
| Admin fee / account holder | $1,252 | $400+212.6% | $13,987-91.1% | $513+143.9% |