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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 | $68,857 | $108,825-36.7% | $156,181-55.9% | $82,448-16.5% |
| Participation rate | 48.6% | 72.4%-23.7pp | 78.8%-30.2pp | 68.1%-19.4pp |
| Annual return | 13.07% | 20.59%-7.5pp | 64.87%-51.8pp | 41.64%-28.6pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,477 | $4,577-45.9% | $6,132-59.6% | $4,139-40.2% |
| Admin fee / account holder | $2,342 | $9,341-74.9% | $14,586-83.9% | $7,234-67.6% |