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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 | $184,728 | $58,493+215.8% | $84,021+119.9% | $72,975+153.1% |
| Participation rate | 41.2% | 61.2%-20.1pp | 69.0%-27.8pp | 69.5%-28.3pp |
| Annual return | 19.28% | 28.93%-9.7pp | 71.32%-52.0pp | 81.01%-61.7pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,642 | $2,394+10.4% | $3,239-18.4% | $3,608-26.8% |
| Admin fee / account holder | $4,903 | $4,569+7.3% | $6,102-19.6% | $5,124-4.3% |