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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 | $74,174 | $88,672-16.4% | $105,223-29.5% | $82,448-10.0% |
| Participation rate | 29.5% | 67.9%-38.4pp | 75.0%-45.5pp | 68.1%-38.6pp |
| Annual return | 14.97% | 30.86%-15.9pp | 180.65%-165.7pp | 41.64%-26.7pp |
| Employer contribution / active EE | $784 | $3,048-74.3% | $3,689-78.8% | $2,551-69.3% |
| Participant deferral / active EE | $1,737 | $4,036-57.0% | $5,072-65.8% | $4,139-58.0% |
| Admin fee / account holder | $6,841 | $7,146-4.3% | $8,859-22.8% | $7,234-5.4% |