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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 | $196,114 | $96,558+103.1% | $80,977+142.2% | $273,972-28.4% |
| Participation rate | 42.9% | 79.1%-36.2pp | 75.8%-33.0pp | 83.0%-40.2pp |
| Annual return | 9.96% | 15.14%-5.2pp | 17.11%-7.1pp | 41.46%-31.5pp |
| Employer contribution / active EE | $226 | $4,869-95.4% | $3,715-93.9% | $4,869-95.4% |
| Participant deferral / active EE | $3,714 | $6,598-43.7% | $5,696-34.8% | $5,287-29.7% |
| Admin fee / account holder | $1,041 | $7,493-86.1% | $5,517-81.1% | $10,133-89.7% |