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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 | $42,184 | $72,177-41.6% | $115,038-63.3% | $59,633-29.3% |
| Participation rate | 18.2% | 72.6%-54.4pp | 81.4%-63.2pp | 68.7%-50.5pp |
| Annual return | 4.26% | 12.02%-7.8pp | 26.14%-21.9pp | 2041.45%-2037.2pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,644 | $4,783-44.7% | $6,026-56.1% | $3,192-17.2% |
| Admin fee / account holder | $4,046 | $4,927-17.9% | $8,175-50.5% | $4,297-5.8% |