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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 | $37,860 | $95,453-60.3% | $112,040-66.2% | $82,448-54.1% |
| Participation rate | 26.2% | 72.8%-46.5pp | 76.5%-50.3pp | 68.1%-41.8pp |
| Annual return | 27.55% | 23.92%+3.6pp | 24.52%+3.0pp | 41.64%-14.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,391 | $4,224+27.6% | $5,098+5.8% | $4,139+30.2% |
| Admin fee / account holder | $4,446 | $9,013-50.7% | $12,098-63.3% | $7,234-38.5% |