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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 | $106,207 | $79,961+32.8% | $98,462+7.9% | $75,177+41.3% |
| Participation rate | 47.8% | 70.4%-22.5pp | 75.2%-27.3pp | 67.2%-19.4pp |
| Annual return | 14.73% | 19.75%-5.0pp | 21.17%-6.4pp | 160.75%-146.0pp |
| Employer contribution / active EE | $321 | $2,264-85.8% | $3,049-89.5% | $2,671-88.0% |
| Participant deferral / active EE | $2,678 | $3,753-28.6% | $4,738-43.5% | $4,126-35.1% |
| Admin fee / account holder | $5,260 | $6,842-23.1% | $8,875-40.7% | $5,651-6.9% |