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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 | $124,749 | $49,025+154.5% | $87,502+42.6% | $62,881+98.4% |
| Participation rate | 51.4% | 64.9%-13.5pp | 73.8%-22.4pp | 69.3%-17.9pp |
| Annual return | 5.49% | 10.02%-4.5pp | 12.21%-6.7pp | 20.14%-14.7pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,169 | $2,289-5.3% | $3,149-31.1% | $3,203-32.3% |
| Admin fee / account holder | $2,475 | $4,065-39.1% | $4,221-41.4% | $4,296-42.4% |