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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 | $189,292 | $142,972+32.4% | $214,702-11.8% | $86,983+117.6% |
| Participation rate | 58.1% | 84.9%-26.8pp | 87.5%-29.4pp | 69.5%-11.5pp |
| Annual return | 13.64% | 18.49%-4.8pp | 54.55%-40.9pp | 25.83%-12.2pp |
| Employer contribution / active EE | $0 | $4,635-100.0% | $6,461-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $6,887 | $6,568+4.9% | $9,147-24.7% | $4,194+64.2% |
| Admin fee / account holder | $17,982 | $17,617+2.1% | $19,830-9.3% | $7,856+128.9% |