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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 | $73,946 | $76,407-3.2% | $150,298-50.8% | $82,448-10.3% |
| Participation rate | 17.9% | 66.4%-48.5pp | 77.8%-59.9pp | 68.1%-50.2pp |
| Annual return | 13.65% | 39.99%-26.3pp | 62.79%-49.1pp | 41.64%-28.0pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,833 | $3,214-43.0% | $5,453-66.4% | $4,139-55.7% |
| Admin fee / account holder | $1,774 | $6,352-72.1% | $14,116-87.4% | $7,234-75.5% |