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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 | $131,015 | $73,787+77.6% | $98,716+32.7% | $82,448+58.9% |
| Participation rate | 47.0% | 61.4%-14.4pp | 69.3%-22.3pp | 68.1%-21.1pp |
| Annual return | 14.88% | 18.57%-3.7pp | 31.81%-16.9pp | 41.64%-26.8pp |
| Employer contribution / active EE | $259 | $1,511-82.9% | $2,279-88.6% | $2,551-89.8% |
| Participant deferral / active EE | $3,177 | $3,081+3.1% | $4,048-21.5% | $4,139-23.2% |
| Admin fee / account holder | $7,832 | $6,500+20.5% | $8,703-10.0% | $7,234+8.3% |