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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 | $153,437 | $41,377+270.8% | $109,313+40.4% | $62,881+144.0% |
| Participation rate | 37.0% | 57.5%-20.6pp | 71.3%-34.3pp | 69.3%-32.3pp |
| Annual return | 6.30% | 11.05%-4.7pp | 22.07%-15.8pp | 20.14%-13.8pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,383 | $2,045+114.3% | $3,166+38.4% | $3,203+36.8% |
| Admin fee / account holder | $449 | $2,884-84.4% | $5,666-92.1% | $4,296-89.5% |