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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 | $81,010 | $106,749-24.1% | $145,433-44.3% | $82,448-1.7% |
| Participation rate | 26.7% | 75.6%-48.9pp | 82.1%-55.4pp | 68.1%-41.3pp |
| Annual return | 15.57% | 27.59%-12.0pp | 66.58%-51.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,958 | $6,519-39.3% | $7,897-49.9% | $4,139-4.4% |
| Admin fee / account holder | $1,926 | $8,390-77.0% | $13,129-85.3% | $7,234-73.4% |