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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 | $129,741 | $112,729+15.1% | $98,716+31.4% | $137,256-5.5% |
| Participation rate | 25.0% | 74.2%-49.2pp | 69.3%-44.3pp | 80.0%-55.0pp |
| Annual return | 12.60% | 38.48%-25.9pp | 31.81%-19.2pp | 220.34%-207.7pp |
| Employer contribution / active EE | $286 | $2,725-89.5% | $2,279-87.4% | $4,156-93.1% |
| Participant deferral / active EE | $1,513 | $4,640-67.4% | $4,048-62.6% | $6,407-76.4% |
| Admin fee / account holder | $3,353 | $10,129-66.9% | $8,703-61.5% | $12,270-72.7% |