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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 | $121,551 | $97,550+24.6% | $120,344+1.0% | $87,485+38.9% |
| Participation rate | 62.2% | 72.8%-10.7pp | 76.7%-14.5pp | 68.9%-6.8pp |
| Annual return | 12.47% | 18.41%-5.9pp | 20.30%-7.8pp | 26.06%-13.6pp |
| Employer contribution / active EE | $445 | $2,291-80.6% | $3,020-85.3% | $2,596-82.9% |
| Participant deferral / active EE | $2,352 | $4,230-44.4% | $5,135-54.2% | $4,274-45.0% |
| Admin fee / account holder | $1,431 | $9,543-85.0% | $12,742-88.8% | $7,775-81.6% |