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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 | $82,824 | $199,109-58.4% | $173,730-52.3% | $154,746-46.5% |
| Participation rate | 61.5% | 82.8%-21.3pp | 79.6%-18.0pp | 80.7%-19.2pp |
| Annual return | 15.83% | 20.02%-4.2pp | 19.96%-4.1pp | 172.34%-156.5pp |
| Employer contribution / active EE | $365 | $5,311-93.1% | $4,577-92.0% | $4,379-91.7% |
| Participant deferral / active EE | $2,418 | $7,113-66.0% | $6,326-61.8% | $6,730-64.1% |
| Admin fee / account holder | $2,780 | $20,916-86.7% | $17,523-84.1% | $14,365-80.7% |