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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 | $46,980 | $43,075+9.1% | $74,577-37.0% | $62,881-25.3% |
| Participation rate | 36.7% | 58.1%-21.4pp | 68.1%-31.4pp | 69.3%-32.6pp |
| Annual return | 7.38% | 17.50%-10.1pp | 20.47%-13.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,153 | $2,389-51.8% | $3,458-66.7% | $3,203-64.0% |
| Admin fee / account holder | $1,834 | $2,840-35.4% | $4,138-55.7% | $4,296-57.3% |