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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 | $118,759 | $71,215+66.8% | $93,696+26.7% | $80,935+46.7% |
| Participation rate | 48.1% | 60.4%-12.3pp | 68.7%-20.6pp | 67.7%-19.5pp |
| Annual return | 11.52% | 11.27%+0.2pp | 133.74%-122.2pp | 35.66%-24.1pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,898 | $4,037-28.2% | $4,417-34.4% | $4,299-32.6% |
| Admin fee / account holder | $2,184 | $6,958-68.6% | $8,287-73.6% | $6,924-68.5% |