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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 | $145,431+30.2% | $211,142-10.3% | $87,485+116.4% |
| Participation rate | 58.1% | 84.7%-26.7pp | 87.3%-29.2pp | 68.9%-10.9pp |
| Annual return | 13.64% | 27.21%-13.6pp | 46.84%-33.2pp | 26.06%-12.4pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,887 | $6,859+0.4% | $9,284-25.8% | $4,274+61.1% |
| Admin fee / account holder | $17,982 | $17,052+5.5% | $19,076-5.7% | $7,775+131.3% |