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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 | $53,726 | $78,690-31.7% | $161,489-66.7% | $87,485-38.6% |
| Participation rate | 46.5% | 67.5%-21.0pp | 78.7%-32.2pp | 68.9%-22.4pp |
| Annual return | 14.03% | 32.74%-18.7pp | 89.72%-75.7pp | 26.06%-12.0pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,834 | $3,311-44.6% | $5,630-67.4% | $4,274-57.1% |
| Admin fee / account holder | $2,440 | $6,724-63.7% | $16,006-84.8% | $7,775-68.6% |