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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 | $131,256 | $79,961+64.1% | $98,462+33.3% | $75,177+74.6% |
| Participation rate | 44.4% | 70.4%-25.9pp | 75.2%-30.7pp | 67.2%-22.8pp |
| Annual return | 14.19% | 19.75%-5.6pp | 21.17%-7.0pp | 160.75%-146.6pp |
| Employer contribution / active EE | $323 | $2,264-85.7% | $3,049-89.4% | $2,671-87.9% |
| Participant deferral / active EE | $5,301 | $3,753+41.3% | $4,738+11.9% | $4,126+28.5% |
| Admin fee / account holder | $3,139 | $6,842-54.1% | $8,875-64.6% | $5,651-44.4% |