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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 | $144,727 | $72,269+100.3% | $101,271+42.9% | $79,852+81.2% |
| Participation rate | 40.0% | 68.5%-28.5pp | 75.8%-35.8pp | 69.6%-29.6pp |
| Annual return | 23.82% | 22.29%+1.5pp | 46.48%-22.7pp | 31.72%-7.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,434 | $3,282+4.6% | $4,371-21.4% | $3,740-8.2% |
| Admin fee / account holder | $14,573 | $4,401+231.1% | $5,948+145.0% | $5,306+174.6% |