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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 | $196,982 | $172,111+14.5% | $150,298+31.1% | $137,256+43.5% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 19.58% | 69.37%-49.8pp | 62.79%-43.2pp | 220.34%-200.8pp |
| Employer contribution / active EE | $482 | $4,636-89.6% | $4,154-88.4% | $4,156-88.4% |
| Participant deferral / active EE | $5,507 | $6,166-10.7% | $5,453+1.0% | $6,407-14.0% |
| Admin fee / account holder | $331 | $16,471-98.0% | $14,116-97.7% | $12,270-97.3% |