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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 | $167,090 | $94,439+76.9% | $73,658+126.8% | $154,746+8.0% |
| Participation rate | 25.0% | 64.7%-39.7pp | 57.0%-32.0pp | 80.7%-55.7pp |
| Annual return | 19.08% | 28.25%-9.2pp | 29.72%-10.6pp | 172.34%-153.3pp |
| Employer contribution / active EE | $0 | $1,257-100.0% | $1,032-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,688 | $2,527+6.4% | $2,062+30.4% | $6,730-60.1% |
| Admin fee / account holder | $1,315 | $3,843-65.8% | $3,357-60.8% | $14,365-90.8% |