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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 | $96,262 | $58,851+63.6% | $115,167-16.4% | $72,976+31.9% |
| Participation rate | 21.7% | 65.5%-43.9pp | 75.9%-54.2pp | 69.5%-47.8pp |
| Annual return | 22.43% | 23.16%-0.7pp | 35.60%-13.2pp | 81.02%-58.6pp |
| Employer contribution / active EE | $343 | $1,798-80.9% | $3,179-89.2% | $2,440-86.0% |
| Participant deferral / active EE | $2,162 | $2,643-18.2% | $4,169-48.1% | $3,608-40.1% |
| Admin fee / account holder | $40,608 | $6,370+537.5% | $7,089+472.9% | $5,124+692.5% |