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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 | $36,122 | $65,034-44.5% | $90,970-60.3% | $79,856-54.8% |
| Participation rate | 27.1% | 61.6%-34.5pp | 69.0%-41.9pp | 69.6%-42.5pp |
| Annual return | 18.75% | 30.45%-11.7pp | 134.60%-115.8pp | 31.71%-13.0pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,172 | $2,512-53.4% | $3,373-65.3% | $3,741-68.7% |
| Admin fee / account holder | $2,961 | $4,536-34.7% | $5,961-50.3% | $5,306-44.2% |