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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 | $108,791 | $46,877+132.1% | $122,354-11.1% | $70,124+55.1% |
| Participation rate | 40.0% | 58.2%-18.2pp | 71.6%-31.6pp | 69.5%-29.5pp |
| Annual return | 13.62% | 24.22%-10.6pp | 30.28%-16.7pp | 73.14%-59.5pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $3,272 | $2,167+51.0% | $3,287-0.5% | $3,332-1.8% |
| Admin fee / account holder | $3,152 | $3,324-5.2% | $5,479-42.5% | $4,645-32.1% |