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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 | $135,439 | $65,364+107.2% | $92,909+45.8% | $72,975+85.6% |
| Participation rate | 41.8% | 68.3%-26.5pp | 76.0%-34.2pp | 69.5%-27.7pp |
| Annual return | 22.39% | 42.11%-19.7pp | 109.44%-87.1pp | 81.01%-58.6pp |
| Employer contribution / active EE | $343 | $2,594-86.8% | $3,653-90.6% | $2,440-85.9% |
| Participant deferral / active EE | $2,206 | $3,128-29.5% | $4,238-48.0% | $3,608-38.9% |
| Admin fee / account holder | $19,643 | $4,251+362.1% | $5,795+239.0% | $5,124+283.4% |