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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 | $223,467 | $114,712+94.8% | $173,730+28.6% | $87,485+155.4% |
| Participation rate | 42.9% | 73.0%-30.1pp | 79.6%-36.7pp | 68.9%-26.1pp |
| Annual return | 14.68% | 20.18%-5.5pp | 19.96%-5.3pp | 26.06%-11.4pp |
| Employer contribution / active EE | $415 | $2,904-85.7% | $4,577-90.9% | $2,596-84.0% |
| Participant deferral / active EE | $4,270 | $4,642-8.0% | $6,326-32.5% | $4,274-0.1% |
| Admin fee / account holder | $2,175 | $10,210-78.7% | $17,523-87.6% | $7,775-72.0% |