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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 | $87,215 | $106,524-18.1% | $152,301-42.7% | $87,485-0.3% |
| Participation rate | 53.5% | 75.8%-22.3pp | 82.4%-29.0pp | 68.9%-15.4pp |
| Annual return | 21.81% | 26.89%-5.1pp | 80.50%-58.7pp | 26.06%-4.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,986 | $6,525-23.6% | $8,004-37.7% | $4,274+16.7% |
| Admin fee / account holder | $1,946 | $8,287-76.5% | $14,398-86.5% | $7,775-75.0% |