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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 | $158,791 | $135,956+16.8% | $123,894+28.2% | $273,972-42.0% |
| Participation rate | 21.1% | 84.1%-63.0pp | 81.4%-60.4pp | 83.0%-62.0pp |
| Annual return | 14.21% | 56.63%-42.4pp | 47.52%-33.3pp | 41.46%-27.2pp |
| Employer contribution / active EE | $599 | $5,170-88.4% | $4,617-87.0% | $4,869-87.7% |
| Participant deferral / active EE | $2,222 | $6,343-65.0% | $5,984-62.9% | $5,287-58.0% |
| Admin fee / account holder | $19,852 | $9,817+102.2% | $8,357+137.5% | $10,133+95.9% |