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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 | $142,106 | $199,109-28.6% | $173,730-18.2% | $154,746-8.2% |
| Participation rate | 38.5% | 82.8%-44.4pp | 79.6%-41.1pp | 80.7%-42.2pp |
| Annual return | 14.07% | 20.02%-5.9pp | 19.96%-5.9pp | 172.34%-158.3pp |
| Employer contribution / active EE | $1,035 | $5,311-80.5% | $4,577-77.4% | $4,379-76.4% |
| Participant deferral / active EE | $3,570 | $7,113-49.8% | $6,326-43.6% | $6,730-47.0% |
| Admin fee / account holder | $563 | $20,916-97.3% | $17,523-96.8% | $14,365-96.1% |