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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 | $70,697 | $73,787-4.2% | $98,716-28.4% | $82,448-14.3% |
| Participation rate | 26.7% | 61.4%-34.7pp | 69.3%-42.6pp | 68.1%-41.4pp |
| Annual return | 16.12% | 18.57%-2.4pp | 31.81%-15.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,746 | $3,081-43.3% | $4,048-56.9% | $4,139-57.8% |
| Admin fee / account holder | $10,800 | $6,500+66.1% | $8,703+24.1% | $7,234+49.3% |