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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 | $223,090 | $110,137+102.6% | $161,149+38.4% | $82,637+170.0% |
| Participation rate | 38.5% | 72.4%-33.9pp | 78.8%-40.4pp | 68.1%-29.6pp |
| Annual return | 14.97% | 20.69%-5.7pp | 21.16%-6.2pp | 53.51%-38.5pp |
| Employer contribution / active EE | $235 | $2,856-91.8% | $4,360-94.6% | $2,552-90.8% |
| Participant deferral / active EE | $2,858 | $4,575-37.5% | $6,153-53.6% | $4,126-30.7% |
| Admin fee / account holder | $5,908 | $9,467-37.6% | $15,194-61.1% | $7,339-19.5% |