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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 | $35,956 | $76,551-53.0% | $123,894-71.0% | $62,881-42.8% |
| Participation rate | 28.8% | 73.0%-44.1pp | 81.4%-52.6pp | 69.3%-40.5pp |
| Annual return | 32.22% | 18.68%+13.5pp | 47.52%-15.3pp | 20.14%+12.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,931 | $4,840-39.4% | $5,984-51.0% | $3,203-8.5% |
| Admin fee / account holder | $985 | $4,826-79.6% | $8,357-88.2% | $4,296-77.1% |