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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 | $129,551 | $39,162+230.8% | $100,671+28.7% | $59,633+117.2% |
| Participation rate | 43.9% | 55.9%-12.0pp | 70.7%-26.8pp | 68.7%-24.8pp |
| Annual return | -1.62% | 21.07%-22.7pp | 20.43%-22.1pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $0 | $1,151-100.0% | $4,012-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,853 | $1,992+143.6% | $3,144+54.4% | $3,192+52.1% |
| Admin fee / account holder | $2,835 | $2,969-4.5% | $4,850-41.5% | $4,297-34.0% |