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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 | $127,601 | $55,902+128.3% | $76,030+67.8% | $80,959+57.6% |
| Participation rate | 30.4% | 62.1%-31.6pp | 69.1%-38.6pp | 67.7%-37.2pp |
| Annual return | 11.86% | 20.59%-8.7pp | 361.54%-349.7pp | 35.67%-23.8pp |
| Employer contribution / active EE | $180 | $1,867-90.3% | $2,688-93.3% | $2,757-93.5% |
| Participant deferral / active EE | $2,833 | $3,051-7.1% | $4,257-33.5% | $4,300-34.1% |
| Admin fee / account holder | $4,601 | $5,239-12.2% | $6,421-28.3% | $6,925-33.6% |