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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 | $136,899 | $72,177+89.7% | $115,038+19.0% | $59,633+129.6% |
| Participation rate | 60.3% | 72.6%-12.2pp | 81.4%-21.0pp | 68.7%-8.4pp |
| Annual return | 0.21% | 12.02%-11.8pp | 26.14%-25.9pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $192 | $2,841-93.2% | $4,608-95.8% | $2,203-91.3% |
| Participant deferral / active EE | $6,341 | $4,783+32.6% | $6,026+5.2% | $3,192+98.7% |
| Admin fee / account holder | $3,382 | $4,927-31.4% | $8,175-58.6% | $4,297-21.3% |