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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 | $139,391 | $41,377+236.9% | $109,313+27.5% | $62,881+121.7% |
| Participation rate | 10.7% | 57.5%-46.8pp | 71.3%-60.6pp | 69.3%-58.6pp |
| Annual return | 7.48% | 11.05%-3.6pp | 22.07%-14.6pp | 20.14%-12.7pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,130 | $2,045-44.7% | $3,166-64.3% | $3,203-64.7% |
| Admin fee / account holder | $2,225 | $2,884-22.9% | $5,666-60.7% | $4,296-48.2% |