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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 | $28,949 | $77,814-62.8% | $158,223-81.7% | $86,983-66.7% |
| Participation rate | 46.3% | 68.4%-22.1pp | 79.2%-32.9pp | 69.5%-23.2pp |
| Annual return | 13.13% | 30.54%-17.4pp | 52.09%-39.0pp | 25.83%-12.7pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,827 | $3,270-44.1% | $5,467-66.6% | $4,194-56.4% |
| Admin fee / account holder | $3,640 | $5,879-38.1% | $16,047-77.3% | $7,856-53.7% |