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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 | $231,321 | $176,786+30.8% | $146,643+57.7% | $167,536+38.1% |
| Participation rate | 42.9% | 83.6%-40.8pp | 80.1%-37.2pp | 82.1%-39.3pp |
| Annual return | 9.76% | 24.04%-14.3pp | 22.75%-13.0pp | 478.82%-469.1pp |
| Employer contribution / active EE | $555 | $5,161-89.2% | $4,137-86.6% | $4,839-88.5% |
| Participant deferral / active EE | $6,875 | $6,440+6.8% | $5,506+24.9% | $6,342+8.4% |
| Admin fee / account holder | $1,047 | $13,262-92.1% | $10,280-89.8% | $12,315-91.5% |