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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 | $106,901 | $83,045+28.7% | $130,045-17.8% | $71,511+49.5% |
| Participation rate | 29.7% | 74.1%-44.4pp | 78.5%-48.8pp | 67.9%-38.2pp |
| Annual return | 18.46% | 20.61%-2.1pp | -137.30%+155.8pp | 28.86%-10.4pp |
| Employer contribution / active EE | $765 | $2,623-70.8% | $4,321-82.3% | $2,589-70.4% |
| Participant deferral / active EE | $3,584 | $4,436-19.2% | $5,820-38.4% | $4,291-16.5% |
| Admin fee / account holder | $31,908 | $1,727+1747.6% | $10,600+201.0% | $1,588+1908.7% |