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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 | $134,287 | $77,574+73.1% | $108,753+23.5% | $86,983+54.4% |
| Participation rate | 42.0% | 62.3%-20.3pp | 71.1%-29.1pp | 69.5%-27.5pp |
| Annual return | 17.80% | 18.42%-0.6pp | 37.47%-19.7pp | 25.83%-8.0pp |
| Employer contribution / active EE | $284 | $1,611-82.3% | $2,427-88.3% | $2,584-89.0% |
| Participant deferral / active EE | $4,654 | $3,128+48.8% | $4,115+13.1% | $4,194+11.0% |
| Admin fee / account holder | $4,524 | $6,529-30.7% | $10,320-56.2% | $7,856-42.4% |