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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 | $94,728 | $41,016+131.0% | $152,093-37.7% | $64,097+47.8% |
| Participation rate | 20.8% | 51.3%-30.5pp | 77.8%-56.9pp | 55.2%-34.4pp |
| Annual return | 11.67% | 39.60%-27.9pp | 66.36%-54.7pp | 34.64%-23.0pp |
| Employer contribution / active EE | $21 | $1,342-98.4% | $4,175-99.5% | $1,891-98.9% |
| Participant deferral / active EE | $1,160 | $1,927-39.8% | $5,451-78.7% | $3,080-62.4% |
| Admin fee / account holder | $4,657 | $2,305+102.0% | $14,497-67.9% | $3,454+34.8% |