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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 | $39,747 | $181,896-78.1% | $156,551-74.6% | $273,972-85.5% |
| Participation rate | 42.9% | 88.4%-45.5pp | 84.0%-41.2pp | 83.0%-40.2pp |
| Annual return | 8.07% | 30.74%-22.7pp | 32.23%-24.2pp | 41.46%-33.4pp |
| Employer contribution / active EE | $1,255 | $6,248-79.9% | $5,501-77.2% | $4,869-74.2% |
| Participant deferral / active EE | $5,914 | $5,550+6.6% | $4,871+21.4% | $5,287+11.9% |
| Admin fee / account holder | $577 | $15,560-96.3% | $13,028-95.6% | $10,133-94.3% |