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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 | $139,798 | $76,551+82.6% | $123,894+12.8% | $62,881+122.3% |
| Participation rate | 51.8% | 73.0%-21.2pp | 81.4%-29.6pp | 69.3%-17.5pp |
| Annual return | 6.86% | 18.68%-11.8pp | 47.52%-40.7pp | 20.14%-13.3pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,201 | $4,840-33.9% | $5,984-46.5% | $3,203-0.1% |
| Admin fee / account holder | $8,062 | $4,826+67.1% | $8,357-3.5% | $4,296+87.7% |