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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 | $135,182 | $57,590+134.7% | $86,233+56.8% | $82,448+64.0% |
| Participation rate | 47.8% | 57.9%-10.1pp | 69.0%-21.3pp | 68.1%-20.3pp |
| Annual return | 14.76% | 22.41%-7.7pp | 61.39%-46.6pp | 41.64%-26.9pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,754 | $3,080+54.4% | $4,559+4.3% | $4,139+14.9% |
| Admin fee / account holder | $3,318 | $4,730-29.9% | $8,342-60.2% | $7,234-54.1% |