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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 | $81,617 | $73,787+10.6% | $98,716-17.3% | $82,448-1.0% |
| Participation rate | 14.6% | 61.4%-46.8pp | 69.3%-54.7pp | 68.1%-53.5pp |
| Annual return | 17.00% | 18.57%-1.6pp | 31.81%-14.8pp | 41.64%-24.6pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,070 | $3,081-32.8% | $4,048-48.9% | $4,139-50.0% |
| Admin fee / account holder | $5,757 | $6,500-11.4% | $8,703-33.8% | $7,234-20.4% |