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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 | $113,536 | $75,541+50.3% | $152,093-25.4% | $82,637+37.4% |
| Participation rate | 44.0% | 66.5%-22.5pp | 77.8%-33.8pp | 68.1%-24.1pp |
| Annual return | 16.76% | 32.56%-15.8pp | 66.36%-49.6pp | 53.51%-36.8pp |
| Employer contribution / active EE | $301 | $2,622-88.5% | $4,175-92.8% | $2,552-88.2% |
| Participant deferral / active EE | $3,385 | $3,206+5.6% | $5,451-37.9% | $4,126-18.0% |
| Admin fee / account holder | $309 | $6,405-95.2% | $14,497-97.9% | $7,339-95.8% |