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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 | $128,869 | $199,109-35.3% | $173,730-25.8% | $154,746-16.7% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.6%-19.6pp | 80.7%-20.7pp |
| Annual return | 33.21% | 20.02%+13.2pp | 19.96%+13.3pp | 172.34%-139.1pp |
| Employer contribution / active EE | $481 | $5,311-90.9% | $4,577-89.5% | $4,379-89.0% |
| Participant deferral / active EE | $2,922 | $7,113-58.9% | $6,326-53.8% | $6,730-56.6% |
| Admin fee / account holder | $14,766 | $20,916-29.4% | $17,523-15.7% | $14,365+2.8% |