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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 | $98,017 | $67,411+45.4% | $91,004+7.7% | $70,126+39.8% |
| Participation rate | 45.7% | 71.4%-25.7pp | 75.6%-30.0pp | 69.5%-23.9pp |
| Annual return | 17.33% | -40.16%+57.5pp | 4.60%+12.7pp | 73.15%-55.8pp |
| Employer contribution / active EE | $270 | $1,786-84.9% | $2,456-89.0% | $2,343-88.5% |
| Participant deferral / active EE | $2,710 | $2,823-4.0% | $3,548-23.6% | $3,332-18.7% |
| Admin fee / account holder | $4,337 | $4,236+2.4% | $5,417-20.0% | $4,645-6.7% |