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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 | $104,819 | $81,504+28.6% | $102,437+2.3% | $80,959+29.5% |
| Participation rate | 35.5% | 66.9%-31.4pp | 74.5%-39.0pp | 67.7%-32.2pp |
| Annual return | 13.90% | 25.60%-11.7pp | 24.95%-11.0pp | 35.67%-21.8pp |
| Employer contribution / active EE | $634 | $3,104-79.6% | $3,871-83.6% | $2,757-77.0% |
| Participant deferral / active EE | $2,262 | $3,871-41.6% | $5,060-55.3% | $4,300-47.4% |
| Admin fee / account holder | $4,550 | $6,719-32.3% | $8,388-45.8% | $6,925-34.3% |