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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 | $37,426 | $49,239-24.0% | $70,462-46.9% | $79,858-53.1% |
| Participation rate | 37.6% | 69.2%-31.5pp | 75.1%-37.4pp | 69.6%-32.0pp |
| Annual return | 13.21% | 30.08%-16.9pp | 109.08%-95.9pp | 31.72%-18.5pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,737-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,027 | $2,769-62.9% | $3,710-72.3% | $3,740-72.5% |
| Admin fee / account holder | $1,811 | $2,876-37.0% | $3,845-52.9% | $5,306-65.9% |