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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 | $187,586 | $75,720+147.7% | $90,312+107.7% | $86,983+115.7% |
| Participation rate | 48.0% | 66.3%-18.3pp | 72.9%-24.9pp | 69.5%-21.5pp |
| Annual return | 15.80% | 18.55%-2.7pp | 18.90%-3.1pp | 25.83%-10.0pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,243-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,839 | $3,001+61.3% | $3,749+29.1% | $4,194+15.4% |
| Admin fee / account holder | $21,867 | $6,201+252.7% | $8,248+165.1% | $7,856+178.4% |