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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 | $56,252 | $100,194-43.9% | $122,979-54.3% | $86,983-35.3% |
| Participation rate | 49.4% | 73.0%-23.5pp | 77.2%-27.8pp | 69.5%-20.1pp |
| Annual return | 18.73% | 16.47%+2.3pp | 20.12%-1.4pp | 25.83%-7.1pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,439 | $4,133-41.0% | $5,003-51.2% | $4,194-41.8% |
| Admin fee / account holder | $699 | $10,148-93.1% | $12,864-94.6% | $7,856-91.1% |