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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 | $66,330 | $45,343+46.3% | $150,298-55.9% | $67,986-2.4% |
| Participation rate | 18.4% | 51.9%-33.4pp | 77.8%-59.3pp | 57.2%-38.8pp |
| Annual return | 15.96% | 33.28%-17.3pp | 62.79%-46.8pp | 31.67%-15.7pp |
| Employer contribution / active EE | $89 | $1,462-93.9% | $4,154-97.9% | $2,019-95.6% |
| Participant deferral / active EE | $1,671 | $2,055-18.7% | $5,453-69.4% | $3,358-50.3% |
| Admin fee / account holder | $12,207 | $2,250+442.6% | $14,116-13.5% | $3,203+281.1% |