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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 | $37,571 | $56,287-33.3% | $80,977-53.6% | $62,881-40.3% |
| Participation rate | 62.9% | 68.9%-6.1pp | 75.8%-13.0pp | 69.3%-6.4pp |
| Annual return | 5.85% | 22.13%-16.3pp | 17.11%-11.3pp | 20.14%-14.3pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,180 | $4,196-48.0% | $5,696-61.7% | $3,203-31.9% |
| Admin fee / account holder | $2,424 | $3,742-35.2% | $5,517-56.1% | $4,296-43.6% |