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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 | $148,329 | $65,246+127.3% | $98,716+50.3% | $67,986+118.2% |
| Participation rate | 37.8% | 51.4%-13.7pp | 69.3%-31.5pp | 57.2%-19.4pp |
| Annual return | 13.37% | 20.58%-7.2pp | 31.81%-18.4pp | 31.67%-18.3pp |
| Employer contribution / active EE | $121 | $1,042-88.4% | $2,279-94.7% | $2,019-94.0% |
| Participant deferral / active EE | $2,757 | $2,594+6.3% | $4,048-31.9% | $3,358-17.9% |
| Admin fee / account holder | $10,708 | $4,561+134.8% | $8,703+23.0% | $3,203+234.3% |