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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 | $84,113 | $80,763+4.1% | $102,412-17.9% | $74,459+13.0% |
| Participation rate | 18.6% | 65.7%-47.1pp | 74.5%-55.9pp | 67.2%-48.7pp |
| Annual return | 12.90% | 27.57%-14.7pp | 24.94%-12.0pp | 1369.70%-1356.8pp |
| Employer contribution / active EE | $642 | $3,160-79.7% | $3,870-83.4% | $2,626-75.6% |
| Participant deferral / active EE | $2,017 | $3,862-47.8% | $5,060-60.1% | $4,350-53.6% |
| Admin fee / account holder | $2,000 | $2,371-15.7% | $8,388-76.2% | $1,945+2.8% |