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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 | $122,293 | $45,438+169.1% | $80,004+52.9% | $59,633+105.1% |
| Participation rate | 43.8% | 63.7%-20.0pp | 73.0%-29.3pp | 68.7%-24.9pp |
| Annual return | -0.79% | 5.10%-5.9pp | 7.63%-8.4pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $0 | $1,236-100.0% | $2,473-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,584 | $2,231+15.8% | $3,204-19.3% | $3,192-19.0% |
| Admin fee / account holder | $3,482 | $3,464+0.5% | $5,033-30.8% | $4,297-19.0% |