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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 | $176,873 | $124,425+42.2% | $112,040+57.9% | $137,256+28.9% |
| Participation rate | 56.5% | 79.3%-22.8pp | 76.5%-20.0pp | 80.0%-23.4pp |
| Annual return | 15.47% | 24.72%-9.3pp | 24.52%-9.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $500 | $3,411-85.3% | $2,954-83.1% | $4,156-88.0% |
| Participant deferral / active EE | $4,854 | $5,718-15.1% | $5,098-4.8% | $6,407-24.2% |
| Admin fee / account holder | $13,118 | $15,207-13.7% | $12,098+8.4% | $12,270+6.9% |