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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 | $35,305 | $77,814-54.6% | $158,223-77.7% | $86,983-59.4% |
| Participation rate | 40.0% | 68.4%-28.4pp | 79.2%-39.2pp | 69.5%-29.5pp |
| Annual return | 16.47% | 30.54%-14.1pp | 52.09%-35.6pp | 25.83%-9.4pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,558 | $3,270-21.8% | $5,467-53.2% | $4,194-39.0% |
| Admin fee / account holder | $5,048 | $5,879-14.1% | $16,047-68.5% | $7,856-35.7% |