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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 | $38,201 | $181,898-79.0% | $156,552-75.6% | $273,970-86.1% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 16.96% | 30.74%-13.8pp | 32.23%-15.3pp | 41.46%-24.5pp |
| Employer contribution / active EE | $771 | $6,248-87.7% | $5,501-86.0% | $4,869-84.2% |
| Participant deferral / active EE | $3,382 | $5,550-39.1% | $4,871-30.6% | $5,287-36.0% |
| Admin fee / account holder | $1,817 | $15,560-88.3% | $13,028-86.1% | $10,132-82.1% |