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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 | $112,928 | $81,208+39.1% | $98,920+14.2% | $79,856+41.4% |
| Participation rate | 52.0% | 72.5%-20.5pp | 76.0%-24.0pp | 69.6%-17.6pp |
| Annual return | 11.56% | 60.99%-49.4pp | 196.47%-184.9pp | 31.71%-20.2pp |
| Employer contribution / active EE | $210 | $1,960-89.3% | $2,689-92.2% | $2,471-91.5% |
| Participant deferral / active EE | $1,582 | $3,265-51.5% | $4,245-62.7% | $3,741-57.7% |
| Admin fee / account holder | $4,559 | $6,013-24.2% | $6,643-31.4% | $5,306-14.1% |