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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 | $23,887 | $69,590-65.7% | $136,867-82.5% | $94,015-74.6% |
| Participation rate | 59.3% | 66.3%-7.1pp | 74.5%-15.3pp | 70.8%-11.6pp |
| Annual return | 13.25% | 19.62%-6.4pp | 42.97%-29.7pp | 17.84%-4.6pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,278 | $3,437-33.7% | $4,924-53.7% | $4,249-46.4% |
| Admin fee / account holder | $1,615 | $8,912-81.9% | $10,340-84.4% | $8,951-82.0% |