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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 | $131,496 | $99,345+32.4% | $84,753+55.2% | $273,972-52.0% |
| Participation rate | 46.7% | 80.7%-34.0pp | 76.6%-29.9pp | 83.0%-36.3pp |
| Annual return | 5.09% | 22.93%-17.8pp | 22.78%-17.7pp | 41.46%-36.4pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,574-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,958 | $4,270-7.3% | $3,712+6.6% | $5,287-25.1% |
| Admin fee / account holder | $1,534 | $6,645-76.9% | $5,333-71.2% | $10,133-84.9% |