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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 | $108,714 | $78,428+38.6% | $95,960+13.3% | $79,852+36.1% |
| Participation rate | 57.1% | 73.5%-16.3pp | 77.1%-19.9pp | 69.6%-12.5pp |
| Annual return | 22.62% | 19.37%+3.2pp | 91.63%-69.0pp | 31.72%-9.1pp |
| Employer contribution / active EE | $419 | $1,945-78.5% | $2,541-83.5% | $2,471-83.0% |
| Participant deferral / active EE | $2,419 | $3,440-29.7% | $4,167-41.9% | $3,740-35.3% |
| Admin fee / account holder | $3,067 | $5,622-45.4% | $6,797-54.9% | $5,306-42.2% |