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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 | $246,745 | $184,014+34.1% | $161,149+53.1% | $138,895+77.6% |
| Participation rate | 37.5% | 82.1%-44.6pp | 78.8%-41.3pp | 79.9%-42.4pp |
| Annual return | 20.21% | 21.52%-1.3pp | 21.16%-0.9pp | 145.39%-125.2pp |
| Employer contribution / active EE | $615 | $5,055-87.8% | $4,360-85.9% | $4,194-85.3% |
| Participant deferral / active EE | $2,878 | $6,909-58.3% | $6,153-53.2% | $6,396-55.0% |
| Admin fee / account holder | $15,217 | $18,027-15.6% | $15,194+0.2% | $12,562+21.1% |