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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 | $88,455 | $72,177+22.6% | $115,037-23.1% | $59,633+48.3% |
| Participation rate | 55.8% | 72.6%-16.8pp | 81.4%-25.6pp | 68.7%-12.9pp |
| Annual return | 0.13% | 12.02%-11.9pp | 26.14%-26.0pp | 2041.40%-2041.3pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,265 | $4,783-31.7% | $6,026-45.8% | $3,192+2.3% |
| Admin fee / account holder | $1,500 | $4,927-69.6% | $8,175-81.7% | $4,297-65.1% |