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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 | $240,321 | $101,795+136.1% | $165,100+45.6% | $80,959+196.8% |
| Participation rate | 52.0% | 71.8%-19.8pp | 78.6%-26.6pp | 67.7%-15.7pp |
| Annual return | 15.12% | 16.73%-1.6pp | 70.21%-55.1pp | 35.67%-20.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,718 | $4,476+5.4% | $6,035-21.8% | $4,300+9.7% |
| Admin fee / account holder | $6,675 | $8,221-18.8% | $12,696-47.4% | $6,925-3.6% |