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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 | $39,521 | $78,015-49.3% | $178,505-77.9% | $80,959-51.2% |
| Participation rate | 33.0% | 65.7%-32.7pp | 77.1%-44.1pp | 67.7%-34.7pp |
| Annual return | 15.73% | 18.10%-2.4pp | 27.16%-11.4pp | 35.67%-19.9pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,571 | $4,406-41.6% | $6,280-59.1% | $4,300-40.2% |
| Admin fee / account holder | $7,942 | $7,160+10.9% | $10,428-23.8% | $6,925+14.7% |