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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 | $219,052 | $87,106+151.5% | $105,607+107.4% | $80,935+170.7% |
| Participation rate | 19.3% | 70.4%-51.1pp | 75.3%-56.0pp | 67.7%-48.4pp |
| Annual return | 14.47% | 17.01%-2.5pp | 116.11%-101.6pp | 35.66%-21.2pp |
| Employer contribution / active EE | $510 | $2,396-78.7% | $3,167-83.9% | $2,757-81.5% |
| Participant deferral / active EE | $1,862 | $3,986-53.3% | $5,011-62.8% | $4,299-56.7% |
| Admin fee / account holder | $6,928 | $8,447-18.0% | $10,958-36.8% | $6,924+0.1% |