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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 | $61,264 | $88,042-30.4% | $138,135-55.6% | $79,852-23.3% |
| Participation rate | 28.6% | 71.4%-42.8pp | 78.7%-50.1pp | 69.6%-41.1pp |
| Annual return | 18.04% | 20.58%-2.5pp | 20.51%-2.5pp | 31.72%-13.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $5,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,577 | $4,704-45.2% | $6,431-59.9% | $3,740-31.1% |
| Admin fee / account holder | $2,433 | $7,791-68.8% | $11,856-79.5% | $5,306-54.1% |