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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 | $138,877 | $56,054+147.8% | $171,082-18.8% | $62,881+120.9% |
| Participation rate | 57.7% | 62.9%-5.2pp | 76.7%-19.0pp | 69.3%-11.6pp |
| Annual return | 7.78% | 22.52%-14.7pp | 32.56%-24.8pp | 20.14%-12.4pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,738 | $3,158+81.7% | $4,797+19.6% | $3,203+79.1% |
| Admin fee / account holder | $882 | $3,647-75.8% | $8,520-89.7% | $4,296-79.5% |