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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 | $200,438 | $153,311+30.7% | $109,313+83.4% | $273,972-26.8% |
| Participation rate | 46.7% | 80.1%-33.4pp | 71.3%-24.6pp | 83.0%-36.3pp |
| Annual return | 11.18% | 29.86%-18.7pp | 22.07%-10.9pp | 41.46%-30.3pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,895 | $3,932+24.5% | $3,166+54.6% | $5,287-7.4% |
| Admin fee / account holder | $25,994 | $8,076+221.9% | $5,666+358.7% | $10,133+156.5% |