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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 | $23,488 | $171,930-86.3% | $151,266-84.5% | $154,746-84.8% |
| Participation rate | 35.7% | 80.5%-44.8pp | 77.0%-41.3pp | 80.7%-45.0pp |
| Annual return | 16.99% | 242.03%-225.0pp | 180.60%-163.6pp | 172.34%-155.4pp |
| Employer contribution / active EE | $0 | $4,710-100.0% | $4,237-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,483 | $8,191-69.7% | $7,337-66.2% | $6,730-63.1% |
| Admin fee / account holder | $3,367 | $15,803-78.7% | $13,159-74.4% | $14,365-76.6% |