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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 | $143,110 | $95,453+49.9% | $112,040+27.7% | $82,448+73.6% |
| Participation rate | 44.0% | 72.8%-28.8pp | 76.5%-32.5pp | 68.1%-24.1pp |
| Annual return | 12.35% | 23.92%-11.6pp | 24.52%-12.2pp | 41.64%-29.3pp |
| Employer contribution / active EE | $600 | $2,318-74.1% | $2,954-79.7% | $2,551-76.5% |
| Participant deferral / active EE | $2,532 | $4,224-40.1% | $5,098-50.3% | $4,139-38.8% |
| Admin fee / account holder | $23,907 | $9,013+165.2% | $12,098+97.6% | $7,234+230.5% |