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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 | $107,099 | $87,878+21.9% | $97,411+9.9% | $82,637+29.6% |
| Participation rate | 43.9% | 75.6%-31.7pp | 80.4%-36.5pp | 68.1%-24.2pp |
| Annual return | 19.79% | 54.63%-34.8pp | 34.72%-14.9pp | 53.51%-33.7pp |
| Employer contribution / active EE | $699 | $3,800-81.6% | $4,210-83.4% | $2,552-72.6% |
| Participant deferral / active EE | $2,900 | $5,525-47.5% | $5,886-50.7% | $4,126-29.7% |
| Admin fee / account holder | $8,065 | $6,743+19.6% | $7,145+12.9% | $7,339+9.9% |