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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 | $196,192 | $72,269+171.5% | $101,271+93.7% | $79,852+145.7% |
| Participation rate | 31.6% | 68.5%-36.9pp | 75.8%-44.2pp | 69.6%-38.1pp |
| Annual return | 15.07% | 22.29%-7.2pp | 46.48%-31.4pp | 31.72%-16.6pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,927 | $3,282-10.8% | $4,371-33.0% | $3,740-21.7% |
| Admin fee / account holder | $6,398 | $4,401+45.4% | $5,948+7.6% | $5,306+20.6% |