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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 | $180,218 | $93,617+92.5% | $135,982+32.5% | $75,177+139.7% |
| Participation rate | 48.6% | 75.2%-26.6pp | 81.9%-33.4pp | 67.2%-18.6pp |
| Annual return | 17.28% | 30.89%-13.6pp | 68.32%-51.0pp | 160.75%-143.5pp |
| Employer contribution / active EE | $360 | $3,538-89.8% | $4,859-92.6% | $2,671-86.5% |
| Participant deferral / active EE | $2,514 | $6,406-60.8% | $7,760-67.6% | $4,126-39.1% |
| Admin fee / account holder | $3,866 | $6,980-44.6% | $10,767-64.1% | $5,651-31.6% |