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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 | $69,135 | $94,436-26.8% | $115,599-40.2% | $82,637-16.3% |
| Participation rate | 59.4% | 70.4%-11.1pp | 74.3%-14.9pp | 68.1%-8.7pp |
| Annual return | 15.63% | 18.37%-2.7pp | 111.10%-95.5pp | 53.51%-37.9pp |
| Employer contribution / active EE | $509 | $2,324-78.1% | $2,955-82.8% | $2,552-80.0% |
| Participant deferral / active EE | $3,468 | $3,955-12.3% | $4,889-29.1% | $4,126-15.9% |
| Admin fee / account holder | $6,006 | $10,328-41.8% | $12,841-53.2% | $7,339-18.2% |