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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 | $139,873 | $36,948+278.6% | $73,658+89.9% | $87,485+59.9% |
| Participation rate | 48.0% | 46.8%+1.2pp | 57.0%-9.0pp | 68.9%-20.9pp |
| Annual return | 21.47% | 28.64%-7.2pp | 29.72%-8.2pp | 26.06%-4.6pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,705 | $1,379+241.2% | $2,062+128.2% | $4,274+10.1% |
| Admin fee / account holder | $16,896 | $2,531+567.6% | $3,357+403.3% | $7,775+117.3% |