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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 | $66,601 | $146,267-54.5% | $197,124-66.2% | $82,448-19.2% |
| Participation rate | 56.4% | 84.0%-27.6pp | 86.7%-30.3pp | 68.1%-11.7pp |
| Annual return | 15.90% | 29.61%-13.7pp | 44.34%-28.4pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,518 | $7,035-7.3% | $9,135-28.6% | $4,139+57.5% |
| Admin fee / account holder | $961 | $14,422-93.3% | $16,298-94.1% | $7,234-86.7% |