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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 | $37,157 | $95,453-61.1% | $112,040-66.8% | $82,448-54.9% |
| Participation rate | 52.5% | 72.8%-20.3pp | 76.5%-24.0pp | 68.1%-15.6pp |
| Annual return | 14.93% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,115 | $4,224+68.4% | $5,098+39.6% | $4,139+71.9% |
| Admin fee / account holder | $7,964 | $9,013-11.6% | $12,098-34.2% | $7,234+10.1% |