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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 | $32,770 | $45,050-27.3% | $63,018-48.0% | $70,126-53.3% |
| Participation rate | 20.8% | 69.5%-48.7pp | 74.8%-54.0pp | 69.5%-48.7pp |
| Annual return | 19.29% | 18.76%+0.5pp | 87.62%-68.3pp | 73.15%-53.9pp |
| Employer contribution / active EE | $0 | $2,052-100.0% | $2,761-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,197 | $2,466-51.4% | $3,330-64.0% | $3,332-64.1% |
| Admin fee / account holder | $3,640 | $2,834+28.4% | $3,601+1.1% | $4,645-21.6% |