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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 | $34,838 | $78,013-55.3% | $178,449-80.5% | $80,911-56.9% |
| Participation rate | 28.0% | 65.7%-37.7pp | 77.1%-49.1pp | 67.6%-39.6pp |
| Annual return | 13.02% | 18.07%-5.0pp | 27.09%-14.1pp | 35.63%-22.6pp |
| Employer contribution / active EE | $0 | $2,287-100.0% | $3,951-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,683 | $4,408-61.8% | $6,277-73.2% | $4,297-60.8% |
| Admin fee / account holder | $5,240 | $7,166-26.9% | $10,362-49.4% | $6,935-24.4% |