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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 | $128,137 | $62,583+104.7% | $76,767+66.9% | $64,173+99.7% |
| Participation rate | 46.9% | 72.8%-25.9pp | 77.0%-30.0pp | 69.6%-22.6pp |
| Annual return | 12.15% | -1.95%+14.1pp | 2.43%+9.7pp | 7.63%+4.5pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,481 | $3,145-52.9% | $3,852-61.5% | $3,470-57.3% |
| Admin fee / account holder | $2,846 | $4,667-39.0% | $6,675-57.4% | $4,887-41.8% |