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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 | $169,772 | $95,453+77.9% | $112,040+51.5% | $82,448+105.9% |
| Participation rate | 33.3% | 72.8%-39.4pp | 76.5%-43.2pp | 68.1%-34.7pp |
| Annual return | 13.84% | 23.92%-10.1pp | 24.52%-10.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $250 | $2,318-89.2% | $2,954-91.5% | $2,551-90.2% |
| Participant deferral / active EE | $2,354 | $4,224-44.3% | $5,098-53.8% | $4,139-43.1% |
| Admin fee / account holder | $5,368 | $9,013-40.4% | $12,098-55.6% | $7,234-25.8% |