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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 | $54,175 | $106,864-49.3% | $147,318-63.2% | $82,637-34.4% |
| Participation rate | 28.6% | 75.5%-46.9pp | 82.1%-53.5pp | 68.1%-39.5pp |
| Annual return | 16.24% | 27.49%-11.3pp | 70.43%-54.2pp | 53.51%-37.3pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,361 | $6,496-48.3% | $7,906-57.5% | $4,126-18.5% |
| Admin fee / account holder | $2,856 | $8,415-66.1% | $13,708-79.2% | $7,339-61.1% |