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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 | $186,701 | $162,967+14.6% | $135,792+37.5% | $138,895+34.4% |
| Participation rate | 45.5% | 78.3%-32.9pp | 72.6%-27.1pp | 79.9%-34.5pp |
| Annual return | 11.68% | 30.08%-18.4pp | 25.96%-14.3pp | 145.39%-133.7pp |
| Employer contribution / active EE | $365 | $4,211-91.3% | $3,496-89.6% | $4,194-91.3% |
| Participant deferral / active EE | $1,459 | $5,640-74.1% | $4,759-69.3% | $6,396-77.2% |
| Admin fee / account holder | $1,830 | $15,306-88.0% | $12,266-85.1% | $12,562-85.4% |