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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 | $198,953 | $78,197+154.4% | $98,090+102.8% | $82,637+140.8% |
| Participation rate | 44.8% | 77.5%-32.6pp | 81.5%-36.7pp | 68.1%-23.2pp |
| Annual return | 19.39% | 40.25%-20.9pp | 37.05%-17.7pp | 53.51%-34.1pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,915 | $6,636-56.1% | $7,845-62.8% | $4,126-29.4% |
| Admin fee / account holder | $5,023 | $14,832-66.1% | $11,815-57.5% | $7,339-31.5% |