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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 | $104,331 | $57,590+81.2% | $86,233+21.0% | $82,448+26.5% |
| Participation rate | 37.2% | 57.9%-20.7pp | 69.0%-31.8pp | 68.1%-30.9pp |
| Annual return | 17.89% | 22.41%-4.5pp | 61.39%-43.5pp | 41.64%-23.7pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,905 | $3,080-38.1% | $4,559-58.2% | $4,139-54.0% |
| Admin fee / account holder | $6,161 | $4,730+30.2% | $8,342-26.1% | $7,234-14.8% |