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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 | $193,812 | $105,284+84.1% | $150,734+28.6% | $94,015+106.2% |
| Participation rate | 47.4% | 71.7%-24.4pp | 78.4%-31.1pp | 70.8%-23.5pp |
| Annual return | 12.28% | 15.67%-3.4pp | 600.81%-588.5pp | 17.84%-5.6pp |
| Employer contribution / active EE | $837 | $3,599-76.7% | $4,918-83.0% | $2,790-70.0% |
| Participant deferral / active EE | $2,793 | $4,274-34.6% | $5,610-50.2% | $4,249-34.3% |
| Admin fee / account holder | $16,418 | $9,839+66.9% | $14,905+10.1% | $8,951+83.4% |