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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 | $52,138 | $86,330-39.6% | $121,871-57.2% | $94,015-44.5% |
| Participation rate | 25.0% | 66.7%-41.7pp | 73.2%-48.2pp | 70.8%-45.8pp |
| Annual return | 15.10% | 14.95%+0.2pp | 13.57%+1.5pp | 17.84%-2.7pp |
| Employer contribution / active EE | $0 | $2,292-100.0% | $2,731-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,189 | $3,146-62.2% | $4,318-72.5% | $4,249-72.0% |
| Admin fee / account holder | $7,003 | $7,346-4.7% | $11,551-39.4% | $8,951-21.8% |