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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 | $184,803 | $185,312-0.3% | $161,489+14.4% | $154,746+19.4% |
| Participation rate | 45.5% | 82.5%-37.0pp | 78.7%-33.2pp | 80.7%-35.2pp |
| Annual return | 18.95% | 103.84%-84.9pp | 89.72%-70.8pp | 172.34%-153.4pp |
| Employer contribution / active EE | $696 | $4,769-85.4% | $4,268-83.7% | $4,379-84.1% |
| Participant deferral / active EE | $2,835 | $6,350-55.4% | $5,630-49.7% | $6,730-57.9% |
| Admin fee / account holder | $2,633 | $18,654-85.9% | $16,006-83.6% | $14,365-81.7% |