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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 | $137,745 | $215,361-36.0% | $171,082-19.5% | $273,972-49.7% |
| Participation rate | 69.2% | 82.0%-12.8pp | 76.7%-7.5pp | 83.0%-13.8pp |
| Annual return | 2.55% | 25.14%-22.6pp | 32.56%-30.0pp | 41.46%-38.9pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $5,546 | $5,543+0.1% | $4,797+15.6% | $5,287+4.9% |
| Admin fee / account holder | $2,864 | $10,846-73.6% | $8,520-66.4% | $10,133-71.7% |