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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 | $144,017 | $140,592+2.4% | $123,106+17.0% | $125,388+14.9% |
| Participation rate | 62.5% | 88.2%-25.7pp | 86.8%-24.3pp | 83.2%-20.7pp |
| Annual return | -2.75% | 16.80%-19.5pp | 13.22%-16.0pp | 282.24%-285.0pp |
| Employer contribution / active EE | $293 | $6,041-95.1% | $5,151-94.3% | $4,866-94.0% |
| Participant deferral / active EE | $6,357 | $6,980-8.9% | $6,229+2.0% | $5,352+18.8% |
| Admin fee / account holder | $11,383 | $11,198+1.7% | $9,015+26.3% | $9,541+19.3% |