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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 | $57,004 | $73,787-22.7% | $98,716-42.3% | $82,448-30.9% |
| Participation rate | 40.5% | 61.4%-20.9pp | 69.3%-28.8pp | 68.1%-27.5pp |
| Annual return | 15.95% | 18.57%-2.6pp | 31.81%-15.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,845 | $3,081-7.7% | $4,048-29.7% | $4,139-31.3% |
| Admin fee / account holder | $1,818 | $6,500-72.0% | $8,703-79.1% | $7,234-74.9% |