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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 | $249,705 | $88,672+181.6% | $105,223+137.3% | $82,448+202.9% |
| Participation rate | 19.5% | 67.9%-48.4pp | 75.0%-55.6pp | 68.1%-48.6pp |
| Annual return | 15.90% | 30.86%-15.0pp | 180.65%-164.7pp | 41.64%-25.7pp |
| Employer contribution / active EE | $589 | $3,048-80.7% | $3,689-84.0% | $2,551-76.9% |
| Participant deferral / active EE | $1,692 | $4,036-58.1% | $5,072-66.6% | $4,139-59.1% |
| Admin fee / account holder | $14,880 | $7,146+108.2% | $8,859+68.0% | $7,234+105.7% |