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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 | $76,834-8.0% | $108,359-34.8% | $87,485-19.2% |
| Participation rate | 26.7% | 61.7%-35.1pp | 70.1%-43.5pp | 68.9%-42.3pp |
| Annual return | 16.12% | 19.09%-3.0pp | 36.89%-20.8pp | 26.06%-9.9pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,746 | $3,100-43.7% | $4,137-57.8% | $4,274-59.2% |
| Admin fee / account holder | $10,800 | $6,537+65.2% | $9,741+10.9% | $7,775+38.9% |