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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 | $52,782 | $93,598-43.6% | $135,974-61.2% | $75,173-29.8% |
| Participation rate | 47.6% | 75.2%-27.6pp | 81.9%-34.3pp | 67.2%-19.6pp |
| Annual return | 21.40% | 30.89%-9.5pp | 68.30%-46.9pp | 160.72%-139.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,960 | $6,405-38.2% | $7,760-49.0% | $4,126-4.0% |
| Admin fee / account holder | $1,916 | $6,978-72.5% | $10,767-82.2% | $5,651-66.1% |