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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 | $228,728 | $101,795+124.7% | $165,100+38.5% | $80,959+182.5% |
| Participation rate | 63.2% | 71.8%-8.7pp | 78.6%-15.5pp | 67.7%-4.5pp |
| Annual return | 14.60% | 16.73%-2.1pp | 70.21%-55.6pp | 35.67%-21.1pp |
| Employer contribution / active EE | $590 | $2,954-80.0% | $4,348-86.4% | $2,757-78.6% |
| Participant deferral / active EE | $3,352 | $4,476-25.1% | $6,035-44.5% | $4,300-22.1% |
| Admin fee / account holder | $13,961 | $8,221+69.8% | $12,696+10.0% | $6,925+101.6% |