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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 | $180,092 | $59,804+201.1% | $81,982+119.7% | $79,856+125.5% |
| Participation rate | 51.2% | 61.6%-10.4pp | 69.3%-18.0pp | 69.6%-18.4pp |
| Annual return | 14.84% | 17.56%-2.7pp | 41.31%-26.5pp | 31.71%-16.9pp |
| Employer contribution / active EE | $174 | $1,713-89.8% | $2,498-93.0% | $2,471-93.0% |
| Participant deferral / active EE | $1,319 | $2,695-51.0% | $3,722-64.6% | $3,741-64.7% |
| Admin fee / account holder | $4,701 | $4,288+9.6% | $5,665-17.0% | $5,306-11.4% |