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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 | $174,723 | $109,620+59.4% | $148,496+17.7% | $94,015+85.8% |
| Participation rate | 58.1% | 71.3%-13.2pp | 76.0%-18.0pp | 70.8%-12.8pp |
| Annual return | 12.78% | 17.54%-4.8pp | 12.33%+0.5pp | 17.84%-5.1pp |
| Employer contribution / active EE | $542 | $2,618-79.3% | $3,497-84.5% | $2,790-80.6% |
| Participant deferral / active EE | $1,815 | $3,831-52.6% | $4,808-62.3% | $4,249-57.3% |
| Admin fee / account holder | $7,295 | $10,050-27.4% | $19,547-62.7% | $8,951-18.5% |