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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 | $144,606 | $109,782+31.7% | $260,467-44.5% | $94,015+53.8% |
| Participation rate | 36.6% | 67.2%-30.6pp | 80.5%-43.9pp | 70.8%-34.2pp |
| Annual return | 11.78% | 18.60%-6.8pp | 100.60%-88.8pp | 17.84%-6.1pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $4,239-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,161 | $4,044-46.6% | $6,319-65.8% | $4,249-49.2% |
| Admin fee / account holder | $3,345 | $11,958-72.0% | $15,461-78.4% | $8,951-62.6% |