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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 | $41,958 | $106,864-60.7% | $147,318-71.5% | $82,637-49.2% |
| Participation rate | 47.6% | 75.5%-27.9pp | 82.1%-34.4pp | 68.1%-20.4pp |
| Annual return | 17.71% | 27.49%-9.8pp | 70.43%-52.7pp | 53.51%-35.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,995 | $6,496-23.1% | $7,906-36.8% | $4,126+21.1% |
| Admin fee / account holder | $754 | $8,415-91.0% | $13,708-94.5% | $7,339-89.7% |