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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 | $125,483 | $76,834+63.3% | $108,359+15.8% | $87,485+43.4% |
| Participation rate | 50.0% | 61.7%-11.7pp | 70.1%-20.1pp | 68.9%-18.9pp |
| Annual return | 16.07% | 19.09%-3.0pp | 36.89%-20.8pp | 26.06%-10.0pp |
| Employer contribution / active EE | $303 | $1,556-80.5% | $2,399-87.4% | $2,596-88.3% |
| Participant deferral / active EE | $1,816 | $3,100-41.4% | $4,137-56.1% | $4,274-57.5% |
| Admin fee / account holder | $1,990 | $6,537-69.6% | $9,741-79.6% | $7,775-74.4% |