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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 | $62,853 | $54,541+15.2% | $78,778-20.2% | $70,126-10.4% |
| Participation rate | 47.0% | 60.8%-13.8pp | 69.2%-22.2pp | 69.5%-22.6pp |
| Annual return | 12.99% | 21.07%-8.1pp | 35.62%-22.6pp | 73.15%-60.2pp |
| Employer contribution / active EE | $181 | $1,089-83.4% | $1,986-90.9% | $2,343-92.3% |
| Participant deferral / active EE | $1,555 | $2,210-29.6% | $2,958-47.4% | $3,332-53.3% |
| Admin fee / account holder | $23,605 | $3,709+536.5% | $5,134+359.8% | $4,645+408.1% |