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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 | $38,799 | $106,524-63.6% | $152,301-74.5% | $87,485-55.6% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.4%-22.4pp | 68.9%-8.9pp |
| Annual return | 17.81% | 26.89%-9.1pp | 80.50%-62.7pp | 26.06%-8.2pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $9,591 | $6,525+47.0% | $8,004+19.8% | $4,274+124.4% |
| Admin fee / account holder | $3,729 | $8,287-55.0% | $14,398-74.1% | $7,775-52.0% |