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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 | $133,961 | $72,027+86.0% | $185,835-27.9% | $79,852+67.8% |
| Participation rate | 51.7% | 65.8%-14.0pp | 78.0%-26.3pp | 69.6%-17.9pp |
| Annual return | 17.48% | 23.13%-5.6pp | 35.96%-18.5pp | 31.72%-14.2pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,074 | $3,780-18.7% | $5,633-45.4% | $3,740-17.8% |
| Admin fee / account holder | $15,565 | $4,513+244.9% | $9,502+63.8% | $5,306+193.3% |