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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 | $55,466 | $62,672-11.5% | $185,117-70.0% | $70,126-20.9% |
| Participation rate | 42.4% | 63.8%-21.4pp | 77.3%-34.8pp | 69.5%-27.1pp |
| Annual return | 15.90% | 40.79%-24.9pp | 40.50%-24.6pp | 73.15%-57.3pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,226 | $3,272-31.9% | $5,045-55.9% | $3,332-33.2% |
| Admin fee / account holder | $453 | $3,932-88.5% | $8,159-94.4% | $4,645-90.2% |