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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 | $147,899 | $123,478+19.8% | $216,567-31.7% | $94,015+57.3% |
| Participation rate | 43.2% | 75.1%-31.9pp | 81.6%-38.5pp | 70.8%-27.6pp |
| Annual return | 18.27% | 23.61%-5.3pp | 12.94%+5.3pp | 17.84%+0.4pp |
| Employer contribution / active EE | $712 | $3,136-77.3% | $5,216-86.3% | $2,790-74.5% |
| Participant deferral / active EE | $4,577 | $4,556+0.5% | $6,191-26.1% | $4,249+7.7% |
| Admin fee / account holder | $625 | $12,753-95.1% | $21,981-97.2% | $8,951-93.0% |