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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 | $40,743 | $86,949-53.1% | $102,460-60.2% | $80,959-49.7% |
| Participation rate | 45.6% | 72.4%-26.8pp | 76.5%-30.9pp | 67.7%-22.1pp |
| Annual return | 11.48% | 18.89%-7.4pp | 29.47%-18.0pp | 35.67%-24.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,191 | $4,121-46.8% | $5,056-56.7% | $4,300-49.0% |
| Admin fee / account holder | $1,747 | $8,048-78.3% | $9,460-81.5% | $6,925-74.8% |