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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 | $108,918 | $48,011+126.9% | $63,803+70.7% | $82,637+31.8% |
| Participation rate | 13.2% | 66.6%-53.4pp | 72.7%-59.5pp | 68.1%-54.9pp |
| Annual return | 14.25% | 19.84%-5.6pp | 543.72%-529.5pp | 53.51%-39.3pp |
| Employer contribution / active EE | $322 | $1,904-83.1% | $2,532-87.3% | $2,552-87.4% |
| Participant deferral / active EE | $1,867 | $2,846-34.4% | $3,843-51.4% | $4,126-54.8% |
| Admin fee / account holder | $760 | $3,873-80.4% | $5,196-85.4% | $7,339-89.6% |