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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 | $131,423 | $83,485+57.4% | $125,180+5.0% | $72,983+80.1% |
| Participation rate | 55.6% | 73.3%-17.8pp | 79.8%-24.2pp | 69.5%-13.9pp |
| Annual return | 19.00% | 25.78%-6.8pp | 43.79%-24.8pp | 81.01%-62.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,836 | $3,586+7.0% | $4,937-22.3% | $3,608+6.3% |
| Admin fee / account holder | $5,819 | $5,518+5.5% | $9,703-40.0% | $5,124+13.6% |