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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 | $23,432 | $77,358-69.7% | $102,184-77.1% | $87,485-73.2% |
| Participation rate | 50.0% | 78.7%-28.7pp | 82.6%-32.6pp | 68.9%-18.9pp |
| Annual return | 18.64% | 41.11%-22.5pp | 31.58%-12.9pp | 26.06%-7.4pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,859 | $6,753-42.8% | $8,309-53.6% | $4,274-9.7% |
| Admin fee / account holder | $14,202 | $6,809+108.6% | $11,609+22.3% | $7,775+82.7% |