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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 | $63,532 | $80,985-21.5% | $96,576-34.2% | $75,181-15.5% |
| Participation rate | 34.1% | 71.8%-37.7pp | 76.0%-41.9pp | 67.2%-33.1pp |
| Annual return | 16.02% | 27.05%-11.0pp | 25.87%-9.9pp | 160.69%-144.7pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,784 | $3,929-54.6% | $4,851-63.2% | $4,126-56.8% |
| Admin fee / account holder | $2,921 | $6,719-56.5% | $8,253-64.6% | $5,650-48.3% |