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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 | $52,778 | $161,352-67.3% | $134,172-60.7% | $137,256-61.5% |
| Participation rate | 50.0% | 78.3%-28.3pp | 72.5%-22.5pp | 80.0%-30.0pp |
| Annual return | 19.32% | 28.72%-9.4pp | 25.30%-6.0pp | 220.34%-201.0pp |
| Employer contribution / active EE | $0 | $4,099-100.0% | $3,420-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,221 | $5,552+66.1% | $4,690+96.6% | $6,407+43.9% |
| Admin fee / account holder | $3,839 | $15,028-74.5% | $12,016-68.0% | $12,270-68.7% |