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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 | $113,571 | $177,595-36.1% | $148,496-23.5% | $198,609-42.8% |
| Participation rate | 47.6% | 79.3%-31.6pp | 76.0%-28.4pp | 82.4%-34.8pp |
| Annual return | 11.65% | 9.97%+1.7pp | 12.33%-0.7pp | 202.70%-191.0pp |
| Employer contribution / active EE | $334 | $4,098-91.8% | $3,497-90.4% | $5,055-93.4% |
| Participant deferral / active EE | $2,732 | $5,539-50.7% | $4,808-43.2% | $6,977-60.8% |
| Admin fee / account holder | $40,658 | $27,010+50.5% | $19,547+108.0% | $19,030+113.7% |