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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 | $89,090 | $52,279+70.4% | $89,414-0.4% | $79,852+11.6% |
| Participation rate | 45.5% | 57.5%-12.1pp | 68.0%-22.5pp | 69.6%-24.2pp |
| Annual return | 13.51% | 22.16%-8.7pp | 245.50%-232.0pp | 31.72%-18.2pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,472 | $2,740-46.3% | $3,890-62.1% | $3,740-60.6% |
| Admin fee / account holder | $456 | $3,356-86.4% | $4,883-90.7% | $5,306-91.4% |