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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 | $124,012 | $79,894+55.2% | $135,792-8.7% | $82,637+50.1% |
| Participation rate | 51.4% | 63.0%-11.6pp | 72.6%-21.2pp | 68.1%-16.6pp |
| Annual return | 14.85% | 17.20%-2.4pp | 25.96%-11.1pp | 53.51%-38.7pp |
| Employer contribution / active EE | $367 | $2,165-83.1% | $3,496-89.5% | $2,552-85.6% |
| Participant deferral / active EE | $1,651 | $3,194-48.3% | $4,759-65.3% | $4,126-60.0% |
| Admin fee / account holder | $2,578 | $6,434-59.9% | $12,266-79.0% | $7,339-64.9% |