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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 | $128,173 | $81,487+57.3% | $102,412+25.2% | $80,935+58.4% |
| Participation rate | 32.0% | 66.8%-34.8pp | 74.5%-42.5pp | 67.7%-35.7pp |
| Annual return | 12.98% | 25.60%-12.6pp | 24.94%-12.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $629 | $3,103-79.7% | $3,870-83.7% | $2,757-77.2% |
| Participant deferral / active EE | $1,674 | $3,871-56.8% | $5,060-66.9% | $4,299-61.1% |
| Admin fee / account holder | $9,918 | $6,717+47.6% | $8,388+18.2% | $6,924+43.2% |