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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 | $23,345 | $46,877-50.2% | $122,354-80.9% | $70,126-66.7% |
| Participation rate | 29.5% | 58.2%-28.7pp | 71.6%-42.1pp | 69.5%-40.0pp |
| Annual return | 15.41% | 24.22%-8.8pp | 30.28%-14.9pp | 73.15%-57.7pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,381 | $2,167+9.8% | $3,287-27.6% | $3,332-28.5% |
| Admin fee / account holder | $8,027 | $3,324+141.5% | $5,479+46.5% | $4,645+72.8% |