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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 | $176,891 | $87,059+103.2% | $105,608+67.5% | $80,925+118.6% |
| Participation rate | 47.5% | 70.4%-22.9pp | 75.3%-27.7pp | 67.7%-20.1pp |
| Annual return | 26.26% | 17.05%+9.2pp | 116.50%-90.2pp | 35.65%-9.4pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,611 | $3,986-34.5% | $5,010-47.9% | $4,299-39.3% |
| Admin fee / account holder | $826 | $8,443-90.2% | $11,028-92.5% | $6,940-88.1% |