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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 | $46,742 | $60,349-22.5% | $74,184-37.0% | $62,881-25.7% |
| Participation rate | 48.0% | 72.7%-24.7pp | 76.6%-28.6pp | 69.3%-21.3pp |
| Annual return | 4.82% | 21.38%-16.6pp | 17.74%-12.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,521 | $2,856-46.8% | $3,550-57.2% | $3,203-52.5% |
| Admin fee / account holder | $7,153 | $4,261+67.9% | $5,586+28.1% | $4,296+66.5% |