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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 | $89,283 | $114,119-21.8% | $107,187-16.7% | $138,895-35.7% |
| Participation rate | 45.0% | 78.1%-33.1pp | 75.0%-30.0pp | 79.9%-34.9pp |
| Annual return | 11.91% | 273.21%-261.3pp | 204.55%-192.6pp | 145.39%-133.5pp |
| Employer contribution / active EE | $309 | $4,059-92.4% | $3,782-91.8% | $4,194-92.6% |
| Participant deferral / active EE | $2,218 | $5,538-60.0% | $5,096-56.5% | $6,396-65.3% |
| Admin fee / account holder | $6,758 | $10,024-32.6% | $9,162-26.2% | $12,562-46.2% |