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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 | $183,869 | $127,096+44.7% | $105,736+73.9% | $135,380+35.8% |
| Participation rate | 47.1% | 82.7%-35.6pp | 76.3%-29.3pp | 82.6%-35.6pp |
| Annual return | -1.90% | 4.49%-6.4pp | 6.27%-8.2pp | 519.81%-521.7pp |
| Employer contribution / active EE | $675 | $4,107-83.6% | $3,268-79.3% | $4,779-85.9% |
| Participant deferral / active EE | $2,884 | $5,064-43.1% | $4,080-29.3% | $5,609-48.6% |
| Admin fee / account holder | $4,967 | $9,087-45.3% | $6,913-28.2% | $10,828-54.1% |