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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 | $29,441 | $96,558-69.5% | $80,977-63.6% | $273,972-89.3% |
| Participation rate | 36.4% | 79.1%-42.7pp | 75.8%-39.4pp | 83.0%-46.7pp |
| Annual return | 5.93% | 15.14%-9.2pp | 17.11%-11.2pp | 41.46%-35.5pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $6,172 | $6,598-6.5% | $5,696+8.3% | $5,287+16.7% |
| Admin fee / account holder | $5,167 | $7,493-31.0% | $5,517-6.3% | $10,133-49.0% |