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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 | $121,871 | $49,024+148.6% | $112,860+8.0% | $87,485+39.3% |
| Participation rate | 42.0% | 62.2%-20.1pp | 66.3%-24.3pp | 68.9%-26.9pp |
| Annual return | 13.98% | 43.86%-29.9pp | 35.26%-21.3pp | 26.06%-12.1pp |
| Employer contribution / active EE | $136 | $1,290-89.4% | $2,206-93.8% | $2,596-94.7% |
| Participant deferral / active EE | $3,251 | $2,209+47.2% | $3,493-6.9% | $4,274-23.9% |
| Admin fee / account holder | $11,798 | $6,266+88.3% | $6,841+72.4% | $7,775+51.7% |