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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 | $36,493 | $95,453-61.8% | $112,040-67.4% | $82,448-55.7% |
| Participation rate | 36.9% | 72.8%-35.8pp | 76.5%-39.6pp | 68.1%-31.1pp |
| Annual return | 15.54% | 23.92%-8.4pp | 24.52%-9.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,975 | $4,224-53.2% | $5,098-61.3% | $4,139-52.3% |
| Admin fee / account holder | $15,666 | $9,013+73.8% | $12,098+29.5% | $7,234+116.5% |