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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 | $149,410 | $86,938+71.9% | $102,423+45.9% | $80,925+84.6% |
| Participation rate | 32.3% | 72.4%-40.1pp | 76.5%-44.2pp | 67.7%-35.4pp |
| Annual return | 15.06% | 18.89%-3.8pp | 29.42%-14.4pp | 35.65%-20.6pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,029 | $4,120-2.2% | $5,054-20.3% | $4,299-6.3% |
| Admin fee / account holder | $11,214 | $8,053+39.3% | $9,455+18.6% | $6,940+61.6% |