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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 | $113,702 | $47,448+139.6% | $94,993+19.7% | $62,293+82.5% |
| Participation rate | 33.6% | 66.5%-32.9pp | 73.9%-40.2pp | 69.5%-35.9pp |
| Annual return | 17.00% | 22.64%-5.6pp | 27.14%-10.1pp | 28.90%-11.9pp |
| Employer contribution / active EE | $0 | $1,300-100.0% | $2,603-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,446 | $2,375-39.1% | $3,317-56.4% | $3,169-54.4% |
| Admin fee / account holder | $10,282 | $434+2267.3% | $4,960+107.3% | $479+2045.0% |