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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 | $101,405 | $75,541+34.2% | $152,093-33.3% | $82,637+22.7% |
| Participation rate | 9.4% | 66.5%-57.2pp | 77.8%-68.4pp | 68.1%-58.7pp |
| Annual return | 17.81% | 32.56%-14.7pp | 66.36%-48.5pp | 53.51%-35.7pp |
| Employer contribution / active EE | $185 | $2,622-92.9% | $4,175-95.6% | $2,552-92.8% |
| Participant deferral / active EE | $881 | $3,206-72.5% | $5,451-83.8% | $4,126-78.6% |
| Admin fee / account holder | $5,417 | $6,405-15.4% | $14,497-62.6% | $7,339-26.2% |