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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 | $108,304 | $88,707+22.1% | $74,184+46.0% | $273,972-60.5% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 3.87% | 11.94%-8.1pp | 17.74%-13.9pp | 41.46%-37.6pp |
| Employer contribution / active EE | $327 | $3,159-89.7% | $2,370-86.2% | $4,869-93.3% |
| Participant deferral / active EE | $3,722 | $4,212-11.6% | $3,550+4.9% | $5,287-29.6% |
| Admin fee / account holder | $524 | $8,717-94.0% | $5,586-90.6% | $10,133-94.8% |