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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 | $121,610 | $95,453+27.4% | $112,040+8.5% | $82,448+47.5% |
| Participation rate | 36.0% | 72.8%-36.8pp | 76.5%-40.5pp | 68.1%-32.1pp |
| Annual return | 20.23% | 23.92%-3.7pp | 24.52%-4.3pp | 41.64%-21.4pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,595 | $4,224-14.9% | $5,098-29.5% | $4,139-13.1% |
| Admin fee / account holder | $1,721 | $9,013-80.9% | $12,098-85.8% | $7,234-76.2% |