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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 | $29,172 | $77,962-62.6% | $178,540-83.7% | $80,935-64.0% |
| Participation rate | 37.5% | 65.7%-28.2pp | 77.1%-39.6pp | 67.7%-30.2pp |
| Annual return | 13.90% | 18.10%-4.2pp | 27.15%-13.2pp | 35.66%-21.8pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,360 | $4,404-46.4% | $6,281-62.4% | $4,299-45.1% |
| Admin fee / account holder | $409 | $7,156-94.3% | $10,424-96.1% | $6,924-94.1% |