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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 | $112,112 | $93,057+20.5% | $153,500-27.0% | $80,925+38.5% |
| Participation rate | 27.5% | 69.0%-41.5pp | 77.1%-49.6pp | 67.7%-40.2pp |
| Annual return | 12.23% | 19.96%-7.7pp | 15.70%-3.5pp | 35.65%-23.4pp |
| Employer contribution / active EE | $990 | $3,507-71.8% | $5,039-80.4% | $2,756-64.1% |
| Participant deferral / active EE | $1,855 | $5,179-64.2% | $6,756-72.5% | $4,299-56.9% |
| Admin fee / account holder | $4,646 | $8,885-47.7% | $12,736-63.5% | $6,940-33.1% |