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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 | $34,619 | $67,602-48.8% | $82,312-57.9% | $70,126-50.6% |
| Participation rate | 27.3% | 72.8%-45.5pp | 76.9%-49.6pp | 69.5%-42.3pp |
| Annual return | 20.24% | 21.57%-1.3pp | 25.88%-5.6pp | 73.15%-52.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,774 | $2,987-7.1% | $3,706-25.1% | $3,332-16.7% |
| Admin fee / account holder | $370 | $4,512-91.8% | $5,608-93.4% | $4,645-92.0% |