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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 | $90,491 | $73,787+22.6% | $98,716-8.3% | $82,448+9.8% |
| Participation rate | 37.0% | 61.4%-24.4pp | 69.3%-32.3pp | 68.1%-31.0pp |
| Annual return | 14.17% | 18.57%-4.4pp | 31.81%-17.6pp | 41.64%-27.5pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,854 | $3,081-7.4% | $4,048-29.5% | $4,139-31.0% |
| Admin fee / account holder | $920 | $6,500-85.8% | $8,703-89.4% | $7,234-87.3% |