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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 | $151,605 | $88,672+71.0% | $105,223+44.1% | $82,448+83.9% |
| Participation rate | 43.5% | 67.9%-24.4pp | 75.0%-31.5pp | 68.1%-24.5pp |
| Annual return | 13.92% | 30.86%-16.9pp | 180.65%-166.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $569 | $3,048-81.3% | $3,689-84.6% | $2,551-77.7% |
| Participant deferral / active EE | $2,276 | $4,036-43.6% | $5,072-55.1% | $4,139-45.0% |
| Admin fee / account holder | $766 | $7,146-89.3% | $8,859-91.4% | $7,234-89.4% |