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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 | $38,657 | $49,239-21.5% | $70,462-45.1% | $79,858-51.6% |
| Participation rate | 37.5% | 69.2%-31.7pp | 75.1%-37.6pp | 69.6%-32.1pp |
| Annual return | 11.88% | 30.08%-18.2pp | 109.08%-97.2pp | 31.72%-19.8pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,737-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,109 | $2,769-60.0% | $3,710-70.1% | $3,740-70.4% |
| Admin fee / account holder | $328 | $2,876-88.6% | $3,845-91.5% | $5,306-93.8% |