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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 | $80,977 | $89,259-9.3% | $107,187-24.5% | $82,637-2.0% |
| Participation rate | 56.4% | 67.9%-11.5pp | 75.0%-18.6pp | 68.1%-11.6pp |
| Annual return | 14.60% | 21.02%-6.4pp | 204.55%-189.9pp | 53.51%-38.9pp |
| Employer contribution / active EE | $548 | $3,080-82.2% | $3,782-85.5% | $2,552-78.5% |
| Participant deferral / active EE | $3,501 | $4,037-13.3% | $5,096-31.3% | $4,126-15.1% |
| Admin fee / account holder | $9,070 | $7,381+22.9% | $9,162-1.0% | $7,339+23.6% |