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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 | $43,031 | $77,358-44.4% | $102,184-57.9% | $87,485-50.8% |
| Participation rate | 41.6% | 78.7%-37.1pp | 82.6%-41.0pp | 68.9%-27.4pp |
| Annual return | 17.97% | 41.11%-23.1pp | 31.58%-13.6pp | 26.06%-8.1pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,104 | $6,753-24.4% | $8,309-38.6% | $4,274+19.4% |
| Admin fee / account holder | $4,149 | $6,809-39.1% | $11,609-64.3% | $7,775-46.6% |