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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 | $42,040 | $66,402-36.7% | $109,907-61.7% | $85,847-51.0% |
| Participation rate | 52.8% | 63.9%-11.1pp | 74.2%-21.4pp | 69.3%-16.5pp |
| Annual return | 12.37% | 19.59%-7.2pp | 29.46%-17.1pp | 318.61%-306.2pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,844-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,203 | $2,842-22.5% | $4,047-45.6% | $3,952-44.3% |
| Admin fee / account holder | $562 | $4,557-87.7% | $6,069-90.7% | $6,261-91.0% |