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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 | $20,080 | $78,197-74.3% | $98,090-79.5% | $82,637-75.7% |
| Participation rate | 39.2% | 77.5%-38.3pp | 81.5%-42.3pp | 68.1%-28.8pp |
| Annual return | 19.58% | 40.25%-20.7pp | 37.05%-17.5pp | 53.51%-33.9pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,109 | $6,636-38.1% | $7,845-47.6% | $4,126-0.4% |
| Admin fee / account holder | $748 | $14,832-95.0% | $11,815-93.7% | $7,339-89.8% |