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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 | $196,428 | $81,457+141.1% | $103,378+90.0% | $80,911+142.8% |
| Participation rate | 38.7% | 66.8%-28.1pp | 74.5%-35.8pp | 67.6%-28.9pp |
| Annual return | 11.14% | 25.58%-14.4pp | 24.91%-13.8pp | 35.63%-24.5pp |
| Employer contribution / active EE | $523 | $3,107-83.2% | $3,870-86.5% | $2,756-81.0% |
| Participant deferral / active EE | $4,054 | $3,871+4.7% | $5,058-19.8% | $4,297-5.7% |
| Admin fee / account holder | $2,978 | $6,717-55.7% | $8,401-64.6% | $6,935-57.1% |