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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 | $77,192 | $45,343+70.2% | $150,298-48.6% | $67,986+13.5% |
| Participation rate | 11.6% | 51.9%-40.2pp | 77.8%-66.1pp | 57.2%-45.6pp |
| Annual return | 13.58% | 33.28%-19.7pp | 62.79%-49.2pp | 31.67%-18.1pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $832 | $2,055-59.5% | $5,453-84.7% | $3,358-75.2% |
| Admin fee / account holder | $9,856 | $2,250+338.1% | $14,116-30.2% | $3,203+207.7% |