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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 | $149,450 | $73,955+102.1% | $96,520+54.8% | $75,181+98.8% |
| Participation rate | 31.9% | 66.4%-34.5pp | 74.3%-42.4pp | 67.2%-35.3pp |
| Annual return | 17.63% | 26.72%-9.1pp | 35.72%-18.1pp | 160.69%-143.1pp |
| Employer contribution / active EE | $319 | $2,930-89.1% | $3,739-91.5% | $2,671-88.0% |
| Participant deferral / active EE | $3,770 | $3,659+3.0% | $4,879-22.7% | $4,126-8.6% |
| Admin fee / account holder | $1,400 | $5,217-73.2% | $6,733-79.2% | $5,650-75.2% |