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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 | $119,278 | $95,453+25.0% | $112,040+6.5% | $82,448+44.7% |
| Participation rate | 46.9% | 72.8%-25.8pp | 76.5%-29.6pp | 68.1%-21.1pp |
| Annual return | 14.37% | 23.92%-9.6pp | 24.52%-10.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $426 | $2,318-81.6% | $2,954-85.6% | $2,551-83.3% |
| Participant deferral / active EE | $4,263 | $4,224+0.9% | $5,098-16.4% | $4,139+3.0% |
| Admin fee / account holder | $6,208 | $9,013-31.1% | $12,098-48.7% | $7,234-14.2% |