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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 | $123,478+81.0% | $216,567+3.2% | $94,015+137.7% |
| Participation rate | 42.9% | 75.1%-32.3pp | 81.6%-38.8pp | 70.8%-28.0pp |
| Annual return | 14.68% | 23.61%-8.9pp | 12.94%+1.7pp | 17.84%-3.2pp |
| Employer contribution / active EE | $415 | $3,136-86.8% | $5,216-92.0% | $2,790-85.1% |
| Participant deferral / active EE | $4,270 | $4,556-6.3% | $6,191-31.0% | $4,249+0.5% |
| Admin fee / account holder | $2,175 | $12,753-82.9% | $21,981-90.1% | $8,951-75.7% |