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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 | $79,691 | $215,361-63.0% | $171,082-53.4% | $273,972-70.9% |
| Participation rate | 47.4% | 82.0%-34.7pp | 76.7%-29.3pp | 83.0%-35.6pp |
| Annual return | 4.42% | 25.14%-20.7pp | 32.56%-28.1pp | 41.46%-37.0pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,161 | $5,543-24.9% | $4,797-13.3% | $5,287-21.3% |
| Admin fee / account holder | $23,882 | $10,846+120.2% | $8,520+180.3% | $10,133+135.7% |