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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 | $179,710 | $93,617+92.0% | $135,982+32.2% | $75,177+139.0% |
| Participation rate | 56.7% | 75.2%-18.5pp | 81.9%-25.3pp | 67.2%-10.5pp |
| Annual return | 31.33% | 30.89%+0.4pp | 68.32%-37.0pp | 160.75%-129.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,366 | $6,406-16.2% | $7,760-30.8% | $4,126+30.0% |
| Admin fee / account holder | $1,083 | $6,980-84.5% | $10,767-89.9% | $5,651-80.8% |