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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 | $153,279 | $215,361-28.8% | $171,082-10.4% | $273,972-44.1% |
| Participation rate | 53.8% | 82.0%-28.2pp | 76.7%-22.8pp | 83.0%-29.2pp |
| Annual return | 8.13% | 25.14%-17.0pp | 32.56%-24.4pp | 41.46%-33.3pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $6,243 | $5,543+12.6% | $4,797+30.1% | $5,287+18.1% |
| Admin fee / account holder | $689 | $10,846-93.6% | $8,520-91.9% | $10,133-93.2% |