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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 | $87,832 | $46,534+88.7% | $64,097+37.0% | $75,177+16.8% |
| Participation rate | 57.3% | 65.9%-8.6pp | 72.3%-15.0pp | 67.2%-9.9pp |
| Annual return | 12.83% | 26.07%-13.2pp | 33.75%-20.9pp | 160.75%-147.9pp |
| Employer contribution / active EE | $0 | $1,976-100.0% | $2,750-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,910 | $2,835+38.0% | $3,881+0.7% | $4,126-5.2% |
| Admin fee / account holder | $13,922 | $2,957+370.9% | $3,070+353.5% | $5,651+146.3% |