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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 | $48,070 | $153,311-68.6% | $109,313-56.0% | $273,972-82.5% |
| Participation rate | 28.6% | 80.1%-51.5pp | 71.3%-42.7pp | 83.0%-54.4pp |
| Annual return | 4.56% | 29.86%-25.3pp | 22.07%-17.5pp | 41.46%-36.9pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,903 | $3,932-51.6% | $3,166-39.9% | $5,287-64.0% |
| Admin fee / account holder | $1,470 | $8,076-81.8% | $5,666-74.1% | $10,133-85.5% |