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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 | $150,932 | $138,386+9.1% | $184,260-18.1% | $80,935+86.5% |
| Participation rate | 40.0% | 83.9%-43.9pp | 86.8%-46.8pp | 67.7%-27.7pp |
| Annual return | 12.88% | 20.02%-7.1pp | 28.84%-16.0pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,456 | $4,851-70.0% | $6,427-77.3% | $2,757-47.2% |
| Participant deferral / active EE | $3,140 | $7,076-55.6% | $9,133-65.6% | $4,299-27.0% |
| Admin fee / account holder | $1,637 | $10,489-84.4% | $13,898-88.2% | $6,924-76.4% |