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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 | $136,451 | $87,106+56.7% | $105,607+29.2% | $80,935+68.6% |
| Participation rate | 48.1% | 70.4%-22.4pp | 75.3%-27.2pp | 67.7%-19.6pp |
| Annual return | 21.20% | 17.01%+4.2pp | 116.11%-94.9pp | 35.66%-14.5pp |
| Employer contribution / active EE | $560 | $2,396-76.6% | $3,167-82.3% | $2,757-79.7% |
| Participant deferral / active EE | $4,755 | $3,986+19.3% | $5,011-5.1% | $4,299+10.6% |
| Admin fee / account holder | $10,582 | $8,447+25.3% | $10,958-3.4% | $6,924+52.8% |