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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 | $221,602 | $86,949+154.9% | $102,460+116.3% | $80,959+173.7% |
| Participation rate | 25.0% | 72.4%-47.4pp | 76.5%-51.5pp | 67.7%-42.7pp |
| Annual return | 11.77% | 18.89%-7.1pp | 29.47%-17.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $204 | $2,370-91.4% | $3,025-93.3% | $2,757-92.6% |
| Participant deferral / active EE | $1,914 | $4,121-53.6% | $5,056-62.2% | $4,300-55.5% |
| Admin fee / account holder | $5,529 | $8,048-31.3% | $9,460-41.6% | $6,925-20.2% |