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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 | $114,712+28.9% | $173,730-14.9% | $87,485+69.1% |
| Participation rate | 43.2% | 73.0%-29.8pp | 79.6%-36.4pp | 68.9%-25.7pp |
| Annual return | 18.27% | 20.18%-1.9pp | 19.96%-1.7pp | 26.06%-7.8pp |
| Employer contribution / active EE | $712 | $2,904-75.5% | $4,577-84.4% | $2,596-72.6% |
| Participant deferral / active EE | $4,577 | $4,642-1.4% | $6,326-27.6% | $4,274+7.1% |
| Admin fee / account holder | $625 | $10,210-93.9% | $17,523-96.4% | $7,775-92.0% |