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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 | $102,475 | $215,361-52.4% | $171,082-40.1% | $273,972-62.6% |
| Participation rate | 47.4% | 82.0%-34.7pp | 76.7%-29.3pp | 83.0%-35.6pp |
| Annual return | 10.69% | 25.14%-14.5pp | 32.56%-21.9pp | 41.46%-30.8pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,485 | $5,543-37.1% | $4,797-27.3% | $5,287-34.1% |
| Admin fee / account holder | $2,114 | $10,846-80.5% | $8,520-75.2% | $10,133-79.1% |