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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 | $109,310 | $59,839+82.7% | $81,991+33.3% | $79,852+36.9% |
| Participation rate | 46.5% | 61.6%-15.1pp | 69.3%-22.7pp | 69.6%-23.1pp |
| Annual return | 28.21% | 17.56%+10.7pp | 41.31%-13.1pp | 31.72%-3.5pp |
| Employer contribution / active EE | $231 | $1,713-86.5% | $2,498-90.8% | $2,471-90.6% |
| Participant deferral / active EE | $3,446 | $2,695+27.9% | $3,722-7.4% | $3,740-7.9% |
| Admin fee / account holder | $4,631 | $4,287+8.0% | $5,665-18.2% | $5,306-12.7% |