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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 | $129,280 | $75,058+72.2% | $152,301-15.1% | $64,340+100.9% |
| Participation rate | 23.3% | 60.9%-37.6pp | 82.4%-59.2pp | 55.2%-32.0pp |
| Annual return | 53.79% | 29.93%+23.9pp | 80.50%-26.7pp | 24.14%+29.6pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,235 | $5,041-75.5% | $8,004-84.6% | $2,980-58.6% |
| Admin fee / account holder | $4,922 | $4,050+21.5% | $14,398-65.8% | $3,703+32.9% |