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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 | $145,879 | $73,787+97.7% | $98,716+47.8% | $82,448+76.9% |
| Participation rate | 43.1% | 61.4%-18.4pp | 69.3%-26.2pp | 68.1%-25.0pp |
| Annual return | 12.81% | 18.57%-5.8pp | 31.81%-19.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $320 | $1,511-78.9% | $2,279-86.0% | $2,551-87.5% |
| Participant deferral / active EE | $3,130 | $3,081+1.6% | $4,048-22.7% | $4,139-24.4% |
| Admin fee / account holder | $3,996 | $6,500-38.5% | $8,703-54.1% | $7,234-44.8% |