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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 | $34,658 | $43,344-20.0% | $59,899-42.1% | $64,173-46.0% |
| Participation rate | 24.1% | 69.2%-45.1pp | 74.7%-50.6pp | 69.6%-45.5pp |
| Annual return | 13.83% | -1.55%+15.4pp | 3.46%+10.4pp | 7.63%+6.2pp |
| Employer contribution / active EE | $0 | $2,030-100.0% | $2,723-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,086 | $2,547-57.4% | $3,402-68.1% | $3,470-68.7% |
| Admin fee / account holder | $442 | $3,008-85.3% | $3,592-87.7% | $4,887-91.0% |