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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 | $159,382 | $101,798+56.6% | $165,071-3.4% | $80,935+96.9% |
| Participation rate | 25.9% | 71.8%-45.9pp | 78.6%-52.7pp | 67.7%-41.7pp |
| Annual return | 21.19% | 16.73%+4.5pp | 70.17%-49.0pp | 35.66%-14.5pp |
| Employer contribution / active EE | $809 | $2,954-72.6% | $4,347-81.4% | $2,757-70.7% |
| Participant deferral / active EE | $3,493 | $4,476-22.0% | $6,035-42.1% | $4,299-18.8% |
| Admin fee / account holder | $1,325 | $8,221-83.9% | $12,695-89.6% | $6,924-80.9% |