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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 | $72,530 | $52,682+37.7% | $78,004-7.0% | $64,097+13.2% |
| Participation rate | 19.5% | 47.7%-28.2pp | 69.4%-49.9pp | 55.2%-35.7pp |
| Annual return | 13.95% | 22.45%-8.5pp | 31.07%-17.1pp | 34.64%-20.7pp |
| Employer contribution / active EE | $0 | $1,323-100.0% | $2,469-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,401 | $2,346-40.3% | $4,092-65.8% | $3,080-54.5% |
| Admin fee / account holder | $4,238 | $5,420-21.8% | $7,578-44.1% | $3,454+22.7% |