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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 | $178,683 | $86,938+105.5% | $102,423+74.5% | $80,925+120.8% |
| Participation rate | 48.8% | 72.4%-23.6pp | 76.5%-27.7pp | 67.7%-18.9pp |
| Annual return | 13.77% | 18.89%-5.1pp | 29.42%-15.7pp | 35.65%-21.9pp |
| Employer contribution / active EE | $497 | $2,369-79.0% | $3,023-83.6% | $2,756-82.0% |
| Participant deferral / active EE | $3,238 | $4,120-21.4% | $5,054-35.9% | $4,299-24.7% |
| Admin fee / account holder | $17,480 | $8,053+117.1% | $9,455+84.9% | $6,940+151.9% |