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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 | $174,401 | $49,657+251.2% | $93,063+87.4% | $67,986+156.5% |
| Participation rate | 15.1% | 49.9%-34.8pp | 72.1%-57.0pp | 57.2%-42.1pp |
| Annual return | 14.19% | 26.27%-12.1pp | 34.15%-20.0pp | 31.67%-17.5pp |
| Employer contribution / active EE | $101 | $1,279-92.1% | $2,476-95.9% | $2,019-95.0% |
| Participant deferral / active EE | $769 | $2,484-69.1% | $3,958-80.6% | $3,358-77.1% |
| Admin fee / account holder | $3,678 | $2,843+29.4% | $6,033-39.0% | $3,203+14.8% |