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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 | $140,767 | $69,444+102.7% | $92,985+51.4% | $87,485+60.9% |
| Participation rate | 51.9% | 63.3%-11.4pp | 69.5%-17.6pp | 68.9%-17.1pp |
| Annual return | 15.35% | 23.85%-8.5pp | 27.99%-12.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $407 | $1,917-78.8% | $2,662-84.7% | $2,596-84.3% |
| Participant deferral / active EE | $2,969 | $3,364-11.7% | $4,377-32.2% | $4,274-30.5% |
| Admin fee / account holder | $1,124 | $6,137-81.7% | $9,463-88.1% | $7,775-85.5% |