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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 | $113,879 | $78,428+45.2% | $95,960+18.7% | $79,852+42.6% |
| Participation rate | 46.1% | 73.5%-27.4pp | 77.1%-31.0pp | 69.6%-23.6pp |
| Annual return | 14.95% | 19.37%-4.4pp | 91.63%-76.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $458 | $1,945-76.5% | $2,541-82.0% | $2,471-81.5% |
| Participant deferral / active EE | $1,789 | $3,440-48.0% | $4,167-57.1% | $3,740-52.2% |
| Admin fee / account holder | $3,886 | $5,622-30.9% | $6,797-42.8% | $5,306-26.8% |