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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 | $94,031+85.8% | $115,768+50.9% | $82,448+111.9% |
| Participation rate | 58.1% | 70.4%-12.4pp | 74.4%-16.3pp | 68.1%-10.0pp |
| Annual return | 12.78% | 20.61%-7.8pp | 100.46%-87.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $542 | $2,323-76.7% | $2,940-81.6% | $2,551-78.8% |
| Participant deferral / active EE | $1,815 | $3,972-54.3% | $4,917-63.1% | $4,139-56.1% |
| Admin fee / account holder | $7,295 | $10,249-28.8% | $12,439-41.4% | $7,234+0.8% |