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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 | $105,864 | $49,976+111.8% | $66,674+58.8% | $82,637+28.1% |
| Participation rate | 52.5% | 63.1%-10.6pp | 73.7%-21.2pp | 68.1%-15.6pp |
| Annual return | 13.80% | 39.09%-25.3pp | 321.24%-307.4pp | 53.51%-39.7pp |
| Employer contribution / active EE | $145 | $1,988-92.7% | $2,620-94.5% | $2,552-94.3% |
| Participant deferral / active EE | $1,451 | $2,847-49.0% | $4,084-64.5% | $4,126-64.8% |
| Admin fee / account holder | $2,126 | $4,594-53.7% | $5,098-58.3% | $7,339-71.0% |