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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 | $153,800 | $101,798+51.1% | $165,071-6.8% | $80,935+90.0% |
| Participation rate | 51.5% | 71.8%-20.3pp | 78.6%-27.1pp | 67.7%-16.1pp |
| Annual return | 12.45% | 16.73%-4.3pp | 70.17%-57.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $388 | $2,954-86.9% | $4,347-91.1% | $2,757-85.9% |
| Participant deferral / active EE | $4,832 | $4,476+7.9% | $6,035-19.9% | $4,299+12.4% |
| Admin fee / account holder | $2,149 | $8,221-73.9% | $12,695-83.1% | $6,924-69.0% |