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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 | $43,123 | $96,558-55.3% | $80,977-46.7% | $273,972-84.3% |
| Participation rate | 61.9% | 79.1%-17.2pp | 75.8%-13.9pp | 83.0%-21.1pp |
| Annual return | 3.35% | 15.14%-11.8pp | 17.11%-13.8pp | 41.46%-38.1pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $5,334 | $6,598-19.1% | $5,696-6.4% | $5,287+0.9% |
| Admin fee / account holder | $9,516 | $7,493+27.0% | $5,517+72.5% | $10,133-6.1% |