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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 | $198,628 | $81,487+143.8% | $102,412+93.9% | $80,935+145.4% |
| Participation rate | 28.2% | 66.8%-38.6pp | 74.5%-46.3pp | 67.7%-39.5pp |
| Annual return | 15.97% | 25.60%-9.6pp | 24.94%-9.0pp | 35.66%-19.7pp |
| Employer contribution / active EE | $489 | $3,103-84.3% | $3,870-87.4% | $2,757-82.3% |
| Participant deferral / active EE | $1,955 | $3,871-49.5% | $5,060-61.4% | $4,299-54.5% |
| Admin fee / account holder | $1,663 | $6,717-75.2% | $8,388-80.2% | $6,924-76.0% |