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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 | $80,314 | $45,566+76.3% | $64,105+25.3% | $59,633+34.7% |
| Participation rate | 54.2% | 60.2%-6.0pp | 68.2%-14.0pp | 68.7%-14.5pp |
| Annual return | 1.78% | 4.95%-3.2pp | 791.24%-789.5pp | 2041.45%-2039.7pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,963 | $2,057-4.6% | $2,822-30.4% | $3,192-38.5% |
| Admin fee / account holder | $6,857 | $3,268+109.8% | $4,499+52.4% | $4,297+59.6% |