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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 | $123,664 | $81,331+52.0% | $155,534-20.5% | $80,935+52.8% |
| Participation rate | 57.7% | 66.3%-8.6pp | 78.2%-20.5pp | 67.7%-10.0pp |
| Annual return | 11.60% | 33.37%-21.8pp | 64.92%-53.3pp | 35.66%-24.1pp |
| Employer contribution / active EE | $75 | $3,105-97.6% | $4,675-98.4% | $2,757-97.3% |
| Participant deferral / active EE | $3,793 | $3,454+9.8% | $5,630-32.6% | $4,299-11.8% |
| Admin fee / account holder | $13,224 | $7,999+65.3% | $15,900-16.8% | $6,924+91.0% |