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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 | $121,191 | $110,137+10.0% | $161,149-24.8% | $82,637+46.7% |
| Participation rate | 46.1% | 72.4%-26.3pp | 78.8%-32.8pp | 68.1%-22.0pp |
| Annual return | 15.89% | 20.69%-4.8pp | 21.16%-5.3pp | 53.51%-37.6pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,112 | $4,575-10.1% | $6,153-33.2% | $4,126-0.3% |
| Admin fee / account holder | $5,891 | $9,467-37.8% | $15,194-61.2% | $7,339-19.7% |