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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 | $75,335 | $45,266+66.4% | $103,693-27.3% | $65,306+15.4% |
| Participation rate | 29.1% | 53.3%-24.2pp | 72.6%-43.5pp | 57.7%-28.5pp |
| Annual return | 15.84% | 25.10%-9.3pp | 47.61%-31.8pp | 21.94%-6.1pp |
| Employer contribution / active EE | $0 | $1,765-100.0% | $2,920-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $789 | $2,099-62.4% | $4,579-82.8% | $2,959-73.3% |
| Admin fee / account holder | $9,985 | $3,221+210.0% | $7,858+27.1% | $3,480+186.9% |