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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 | $166,573 | $63,773+161.2% | $81,286+104.9% | $80,925+105.8% |
| Participation rate | 46.2% | 63.9%-17.8pp | 69.5%-23.4pp | 67.7%-21.5pp |
| Annual return | 16.58% | 16.37%+0.2pp | 24.80%-8.2pp | 35.65%-19.1pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,756 | $3,093+53.8% | $3,883+22.5% | $4,299+10.6% |
| Admin fee / account holder | $21,912 | $5,682+285.6% | $5,764+280.2% | $6,940+215.7% |