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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 | $63,568 | $104,098-38.9% | $140,514-54.8% | $94,015-32.4% |
| Participation rate | 47.0% | 73.7%-26.7pp | 77.8%-30.8pp | 70.8%-23.9pp |
| Annual return | 21.24% | 15.14%+6.1pp | 14.36%+6.9pp | 17.84%+3.4pp |
| Employer contribution / active EE | $0 | $2,388-100.0% | $3,378-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,519 | $4,033-37.5% | $4,919-48.8% | $4,249-40.7% |
| Admin fee / account holder | $1,694 | $10,439-83.8% | $13,697-87.6% | $8,951-81.1% |