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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 | $146,295 | $199,109-26.5% | $173,730-15.8% | $154,746-5.5% |
| Participation rate | 68.4% | 82.8%-14.4pp | 79.6%-11.2pp | 80.7%-12.3pp |
| Annual return | 16.59% | 20.02%-3.4pp | 19.96%-3.4pp | 172.34%-155.7pp |
| Employer contribution / active EE | $525 | $5,311-90.1% | $4,577-88.5% | $4,379-88.0% |
| Participant deferral / active EE | $6,796 | $7,113-4.4% | $6,326+7.4% | $6,730+1.0% |
| Admin fee / account holder | $3,058 | $20,916-85.4% | $17,523-82.5% | $14,365-78.7% |