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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 | $103,697 | $161,352-35.7% | $134,172-22.7% | $137,256-24.4% |
| Participation rate | 58.3% | 78.3%-20.0pp | 72.5%-14.1pp | 80.0%-21.6pp |
| Annual return | 33.39% | 28.72%+4.7pp | 25.30%+8.1pp | 220.34%-187.0pp |
| Employer contribution / active EE | $229 | $4,099-94.4% | $3,420-93.3% | $4,156-94.5% |
| Participant deferral / active EE | $2,506 | $5,552-54.9% | $4,690-46.6% | $6,407-60.9% |
| Admin fee / account holder | $5,536 | $15,028-63.2% | $12,016-53.9% | $12,270-54.9% |