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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 | $124,405 | $94,436+31.7% | $115,599+7.6% | $82,637+50.5% |
| Participation rate | 26.9% | 70.4%-43.5pp | 74.3%-47.4pp | 68.1%-41.1pp |
| Annual return | 15.96% | 18.37%-2.4pp | 111.10%-95.1pp | 53.51%-37.5pp |
| Employer contribution / active EE | $397 | $2,324-82.9% | $2,955-86.6% | $2,552-84.5% |
| Participant deferral / active EE | $3,256 | $3,955-17.7% | $4,889-33.4% | $4,126-21.1% |
| Admin fee / account holder | $9,875 | $10,328-4.4% | $12,841-23.1% | $7,339+34.6% |