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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 | $35,413 | $41,377-14.4% | $109,313-67.6% | $62,881-43.7% |
| Participation rate | 46.8% | 57.5%-10.7pp | 71.3%-24.5pp | 69.3%-22.5pp |
| Annual return | 5.91% | 11.05%-5.1pp | 22.07%-16.2pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,192 | $2,045-41.7% | $3,166-62.4% | $3,203-62.8% |
| Admin fee / account holder | $721 | $2,884-75.0% | $5,666-87.3% | $4,296-83.2% |