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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 | $101,339 | $124,314-18.5% | $109,163-7.2% | $167,518-39.5% |
| Participation rate | 68.4% | 79.4%-11.0pp | 75.9%-7.5pp | 82.1%-13.7pp |
| Annual return | 12.48% | 26.04%-13.6pp | 25.75%-13.3pp | 478.71%-466.2pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $5,095 | $5,256-3.1% | $4,654+9.5% | $6,342-19.7% |
| Admin fee / account holder | $3,394 | $7,973-57.4% | $6,754-49.7% | $12,312-72.4% |