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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 | $129,088 | $63,082+104.6% | $81,716+58.0% | $79,852+61.7% |
| Participation rate | 38.2% | 67.5%-29.3pp | 72.0%-33.8pp | 69.6%-31.5pp |
| Annual return | 14.48% | 22.66%-8.2pp | 29.49%-15.0pp | 31.72%-17.2pp |
| Employer contribution / active EE | $240 | $1,795-86.7% | $4,310-94.4% | $2,471-90.3% |
| Participant deferral / active EE | $1,406 | $2,780-49.4% | $7,108-80.2% | $3,740-62.4% |
| Admin fee / account holder | $7,185 | $4,428+62.2% | $5,159+39.3% | $5,306+35.4% |