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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 | $231,746 | $124,425+86.3% | $112,040+106.8% | $137,256+68.8% |
| Participation rate | 27.3% | 79.3%-52.0pp | 76.5%-49.2pp | 80.0%-52.7pp |
| Annual return | 12.60% | 24.72%-12.1pp | 24.52%-11.9pp | 220.34%-207.7pp |
| Employer contribution / active EE | $705 | $3,411-79.3% | $2,954-76.1% | $4,156-83.0% |
| Participant deferral / active EE | $2,309 | $5,718-59.6% | $5,098-54.7% | $6,407-64.0% |
| Admin fee / account holder | $7,390 | $15,207-51.4% | $12,098-38.9% | $12,270-39.8% |