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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 | $72,181 | $87,060-17.1% | $105,591-31.6% | $80,911-10.8% |
| Participation rate | 48.1% | 70.4%-22.3pp | 75.3%-27.1pp | 67.6%-19.5pp |
| Annual return | 13.82% | 17.05%-3.2pp | 116.43%-102.6pp | 35.63%-21.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,166-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,011 | $3,986-24.5% | $5,008-39.9% | $4,297-29.9% |
| Admin fee / account holder | $4,212 | $8,442-50.1% | $11,024-61.8% | $6,935-39.3% |