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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 | $146,854 | $73,978+98.5% | $96,515+52.2% | $75,173+95.4% |
| Participation rate | 40.0% | 66.4%-26.4pp | 74.3%-34.3pp | 67.2%-27.2pp |
| Annual return | 31.16% | 26.72%+4.4pp | 35.73%-4.6pp | 160.72%-129.6pp |
| Employer contribution / active EE | $559 | $2,931-80.9% | $3,740-85.0% | $2,671-79.1% |
| Participant deferral / active EE | $4,136 | $3,660+13.0% | $4,880-15.2% | $4,126+0.2% |
| Admin fee / account holder | $7,279 | $5,219+39.5% | $6,735+8.1% | $5,651+28.8% |