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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 | $110,639 | $86,050+28.6% | $189,758-41.7% | $94,015+17.7% |
| Participation rate | 25.0% | 68.9%-43.9pp | 79.8%-54.8pp | 70.8%-45.8pp |
| Annual return | 18.68% | 17.77%+0.9pp | 52.62%-33.9pp | 17.84%+0.8pp |
| Employer contribution / active EE | $199 | $2,819-92.9% | $4,767-95.8% | $2,790-92.9% |
| Participant deferral / active EE | $1,959 | $3,349-41.5% | $5,856-66.5% | $4,249-53.9% |
| Admin fee / account holder | $26,577 | $6,627+301.1% | $20,388+30.4% | $8,951+196.9% |