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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 | $64,801 | $81,358-20.4% | $155,556-58.3% | $80,959-20.0% |
| Participation rate | 46.2% | 66.3%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 12.78% | 33.39%-20.6pp | 64.84%-52.1pp | 35.67%-22.9pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,262 | $3,455+52.3% | $5,631-6.5% | $4,300+22.4% |
| Admin fee / account holder | $3,653 | $7,994-54.3% | $15,885-77.0% | $6,925-47.3% |