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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 | $95,439 | $72,273+32.1% | $101,275-5.8% | $79,856+19.5% |
| Participation rate | 46.9% | 68.5%-21.5pp | 75.8%-28.9pp | 69.6%-22.7pp |
| Annual return | 18.65% | 22.30%-3.6pp | 46.48%-27.8pp | 31.71%-13.1pp |
| Employer contribution / active EE | $270 | $2,691-90.0% | $3,660-92.6% | $2,471-89.1% |
| Participant deferral / active EE | $8,083 | $3,282+146.3% | $4,371+84.9% | $3,741+116.1% |
| Admin fee / account holder | $8,075 | $4,401+83.5% | $5,948+35.8% | $5,306+52.2% |