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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 | $125,912 | $63,354+98.7% | $94,105+33.8% | $82,637+52.4% |
| Participation rate | 38.5% | 63.8%-25.4pp | 71.9%-33.5pp | 68.1%-29.6pp |
| Annual return | 18.07% | 34.36%-16.3pp | 204.55%-186.5pp | 53.51%-35.4pp |
| Employer contribution / active EE | $325 | $1,760-81.5% | $2,504-87.0% | $2,552-87.3% |
| Participant deferral / active EE | $2,018 | $2,873-29.8% | $3,881-48.0% | $4,126-51.1% |
| Admin fee / account holder | $1,553 | $5,073-69.4% | $6,199-74.9% | $7,339-78.8% |