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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 | $63,470 | $114,013-44.3% | $103,693-38.8% | $155,188-59.1% |
| Participation rate | 17.4% | 75.2%-57.8pp | 72.6%-55.3pp | 80.8%-63.4pp |
| Annual return | 17.83% | 49.31%-31.5pp | 47.61%-29.8pp | 148.84%-131.0pp |
| Employer contribution / active EE | $0 | $3,131-100.0% | $2,920-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,236 | $4,970-75.1% | $4,579-73.0% | $6,531-81.1% |
| Admin fee / account holder | $6,453 | $8,407-23.2% | $7,858-17.9% | $14,480-55.4% |