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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 | $80,273 | $101,795-21.1% | $165,100-51.4% | $80,959-0.8% |
| Participation rate | 27.6% | 71.8%-44.2pp | 78.6%-51.0pp | 67.7%-40.1pp |
| Annual return | 12.67% | 16.73%-4.1pp | 70.21%-57.5pp | 35.67%-23.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,363 | $4,476-47.2% | $6,035-60.9% | $4,300-45.1% |
| Admin fee / account holder | $1,854 | $8,221-77.5% | $12,696-85.4% | $6,925-73.2% |