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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 | $239,228 | $99,345+140.8% | $84,753+182.3% | $273,972-12.7% |
| Participation rate | 20.0% | 80.7%-60.7pp | 76.6%-56.6pp | 83.0%-63.0pp |
| Annual return | 7.18% | 22.93%-15.7pp | 22.78%-15.6pp | 41.46%-34.3pp |
| Employer contribution / active EE | $494 | $4,214-88.3% | $3,574-86.2% | $4,869-89.8% |
| Participant deferral / active EE | $3,036 | $4,270-28.9% | $3,712-18.2% | $5,287-42.6% |
| Admin fee / account holder | $14,575 | $6,645+119.3% | $5,333+173.3% | $10,133+43.8% |