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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 | $219,006 | $81,487+168.8% | $102,412+113.8% | $80,935+170.6% |
| Participation rate | 37.5% | 66.8%-29.3pp | 74.5%-37.0pp | 67.7%-30.2pp |
| Annual return | 14.53% | 25.60%-11.1pp | 24.94%-10.4pp | 35.66%-21.1pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,088 | $3,871+83.1% | $5,060+40.1% | $4,299+64.8% |
| Admin fee / account holder | $13,458 | $6,717+100.4% | $8,388+60.5% | $6,924+94.4% |