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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 | $138,725 | $86,919+59.6% | $102,457+35.4% | $80,911+71.5% |
| Participation rate | 47.4% | 72.4%-25.0pp | 76.5%-29.1pp | 67.6%-20.3pp |
| Annual return | 14.23% | 18.90%-4.7pp | 29.41%-15.2pp | 35.63%-21.4pp |
| Employer contribution / active EE | $614 | $2,368-74.1% | $3,022-79.7% | $2,756-77.7% |
| Participant deferral / active EE | $1,909 | $4,119-53.7% | $5,054-62.2% | $4,297-55.6% |
| Admin fee / account holder | $4,073 | $8,049-49.4% | $9,451-56.9% | $6,935-41.3% |